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

On Tuesday, XX/XX/2024, I inadvertently initiated a transfer from my bank to PayPal, instead of PayPal to Bank ( transaction XXXX ) for {$190.00}. I immediately I called PayPal Customer Service to resolve the issue, but I was told that only my bank could do that. I requested a supervisor and was told that there was none available, but they were put in a ticket and want to call me back within XXXX hours. So I then went to my bank who informed me that PayPal often does this but that the charge wasn't showing up and I would have to wait XXXX hours for it to show as pending for my bank to stop the payment through the XXXX XXXX. 
The PayPal to Bank transaction posted XXXX AM on the next day on XX/XX/2024, the Bank to PayPal was showing as pending. However, when I went to my bank at XXXX, I learned that PayPal deducted the money from my bank account at XXXX that morning, despite a disclaimer on their own site that says that those type of transactions takes XXXX to XXXX business days. I again, went to my bank, who informed me that PayPal took the money out several minutes after the credit was posted, I checked my email and there was no notification from PayPal of this transaction. As a speaking to the bank representative, a heavily accented supervisor from PayPal called me and could not provide an explanation as to why the transaction went through XXXX hours and why I wasn't notified of the change via email as I chose that I receive emails and notifications regarding ALL transactions from PayPal. Only then did I receive an email regarding this transaction, XXXX hours later. 

The Bank to PayPal transfer was expected XX/XX/XXXX but as of today, XX/XX/XXXX, the transfer has not been completed and now there is a message saying that this is taking longer than expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUS GLOBAL SOLUTIONS {$58.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an error in one of the accounts XXXX  XXXX. It indicates two late payments, but I made those payments on time. It's crucial that consumer reporting agencies maintain accurate information. These discrepancies occurred in XXXX and XXXX of XXXX. I kindly request an investigation into this matter and ask that you promptly update the payments to reflect them as paid on time. Thank you for addressing this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX 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

On XX/XX/XXXX. I notified experien that an item reporting on my credit report ( XXXX XXXX XXXX ) is inaccurately reporting and untimely reporting, I have yet to receive any notification regarding my dispute. I also pointed out the specific inaccuracies alerting Experian that they reported this account 60days late XX/XX/XXXX then report the same account 30days late the following month of XX/XX/XXXX. I kindly demanded experian fix the Inaccuracies in previous notifications. But They have yet to update or remove the account nor the Inaccuracies in question. Disregarding the The fair credit reporting act laws and regulations.
Product: Checking or savings account

I went to open an account a Navy Federal and they told me I had and old account and I didn't authorize it and anyway and Im trying my best to get it off my credit report and its not working.
Product: Debt collection

i recently check my credit report and notice an alleged debt from lvnv funding, llc on my credit report that i didn't recognize or authorized for them to report it without my consent. futhermore, they have violated the FDCPA by reporting information without giving notice, per 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; next is 15 usc 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt lastly, 15 usc 1692E ( 2 ) The false representation of ( A ) the character, amount ( XXXX ), or legal status of any debt ; i am requesting my invoice be paid to me in the amount of XXXX and the information be deleted from my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax deleted a XXXX  XXXX account compromised by fraud. The red flags were the information furnished was incomplete inaccurate and not a reflection of my credit history. 

On XX/XX/XXXX Equifax reinserted this account illegally aged and again incomplete and inaccurate with full knowledge of a police report, ID they affidavits and sworn statements under oath with XXXX XXXX magistrate court. 

This is a violation of title 15. And I am requesting equitable relief under section 623 for knowingly furnishing inaccurate information. 

On a call with XXXX an equifax supervisor he stated the information submitted previously was older than 90 days old and they do not keep records beyond 90 days. But that the Furnisher verified the info and it will stay for 7 years unless re-disputed with relevant info. 

I requested the account level detail that equifax used to verify the Furnishers right to insert this info and he advised Id need to verify myself with the Furnisher Based on this feedback and the attending consequences of new negative info being reported I am requesting an investigation into the procedures established for ID theft victims. 

Thank you for your support in enforcing the law
Product: Money transfer, virtual currency, or money service

Robinhood, a Trading App that i use for stock market trading, Has made it impossible for me to change my device access. 
I do not have access to the old device that i had the robinhood trading application on, yet they are still sending codes to the wrong phone number and device. I have tried contacting support, and have been in an insane support Que for almost 2 days now.
Product: Debt collection

I sent a certified letter requesting verification of the alleged debt. I have not received proper documentation. I also sent a letter requesting cease and desist and continue to receive calls from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Procollect XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 

15 U.S. Code 1692c - Communication in connection with debt collection.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBKPT CT AL XXXX # XXXX has violated my rights.
Product: Debt collection

Commonwealth Financial XXXX, located in XXXX XXXX Pennsylvania, created an account on XX/XX/XXXX, in my name, referencing a {$790.00} medical debt originated by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Commonwealth Financial XXXX  opened a collections account, also in my name, declaring that this account was in default. This information was then sent to all three credit bureaus thereby negatively impacting my credit report. I learned of this from my identity monitoring services, even though all three credit bureaus posted the information on my report as correct. I have never received any notifications, in regards to this, from Commonwealth Financial XXXX. This alleged medical debt is six years old and is beyond Virginia 's 5 year statute of limitations. That makes this appear to be a fraudulent attempt at collecting an expired alleged medical debt. I unsuccessfully reached out to XXXX XXXX XXXX XXXX using the many different phone numbers listed for them online but they are unreachable or no longer in business. I also sent a certified dispute letter with receipt request to Commonwealth Financial XXXX. I informed them of the expired nature of the alleged medical debt, according to Virginia 's statute of limitations. I also pointed out the illegal nature of their actions and to only contact me in writing to inform me of their termination of this alleged medical debt collection attempt.
Product: Debt collection

I am not liable for this debt with XXXX, I do not have a contract with CEDAR BUSINESS SERVICES, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$120.00} allegedly owed to XXXX have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account Cedar Business Services ( Account XXXX ), Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$120.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX and I do not have any contract with CEDAR BUSINESS SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX  XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX XXXX on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
Product: Debt collection

i have mailed XXXX XXXX XXXX Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
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 XXXX XXXX XXXX. **Account Name : XXXX XXXX XXXX XXXXDate : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report XXXX the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to the XXXX XXXX XXXX XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to nor 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: Money transfer, virtual currency, or money service

Western Union money order XXXX {$1000.00} purchased XX/XX/XXXX was stolen and altered. Western Union has refused to refund. Signed notorized purchaser affidavit submitted XX/XX/XXXX.
Product: Vehicle loan or lease

According to the Illinois Motor Vehicle Retail installment sale act, in regualition of all federal truth and lending acts. The illinois retail installment contracts is supposed to have an aribitration clause. There is no Arbitration Clause in the contract that i signed with Bmo which constitutes this contract as one sided. I am requesting an examiner to overlook contracts submitted by BMO auto loan department. This constitutes a class action law suit on buyers behalf.
Product: Debt collection

I was looking to move into a new apartment then I went ahead and had a look at my credit report and I noticed I have 2 collections both from charter communications. The first balance I noticed was for the amount of {$510.00} posted to XXXX, XXXX, and XXXX. and another 2nd account posted to my XXXX credit report. 

Note that I did not authorize or consent to any contractual agreement with Charter Communications ( spectrum ) and I have no contractual obligation to pay the current creditor of this debt CBE Group. 

This is careless misuse of my personal information and I did not consent to have this data furnished as per FCRA 15 USC 1681 a " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' I demand that these accounts be removed from my credit reports. 

Failure to respond within 30 days of receipt of this complaint may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the fair debt collection practices ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I will also file a complaint to my district attorney, XXXX. 

Below I attached a FTC complaint regarding this issue.
Product: Credit card or prepaid card

This credit card shows as closed on my XXXX report when it is an open account. The account does not appear on either of my XXXX and XXXX reports. This is not an accurate representation of my credit report as they are reporting the account incorrectly on my XXXX report and not reporting it at all on either my XXXX or XXXX reports. 

I have called the company and always talk to someone foreign who put me on hold and never address this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, 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 computer-generated 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. XXXX 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 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, credit repair services, or other personal consumer reports

Equifax is reporting that my XXXX XXXX Account is reporting a 30-day late payment. Whereas XXXX XXXX mailed me a letter which is attached showing that their reporting was incorrect and all 3 credit bureaus were notified. This change has not been updated with Equifax as of XX/XX/2021.
Product: Debt collection

I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. <P/>The have reported the collection account to my credit report and it is affecting my credit and lowering my score.