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

Hello, On XXXX, I sold a product via PayPal and the buyer sent me payment of {$1300.00} ( Total {$1400.00} - {$41.00} fees ) and as soon as he got the product, he claimed the product to be fake and disputed the payment. I had not received the payment at all in the first place, since PayPal put it on hold saying that since it is a big amount, we usually hold it for 24 hours and then after 24 hours said that it will be on hold until the product is delivered. And once the product was delivered, the buyer disputed it so now when I reached out to PayPal, they are saying they cant do anything about it. 

What I dont understand is, PayPal being a 3rd party, should be impartial to either parties but seems like they always side with the buyer because I have got no help from them. Initially, the buyer, even after agreeing on adding PayPal fees and shipping cost to the purchase amount, did not do that saying he forgot to add the PayPal fees, so PayPal deducted the fees and then I had to pay ship the product via XXXX so that cost me another XXXX. So, instead of the total amount of XXXX XXXX XXXX XXXX PayPal fees XXXX XXXX XXXX XXXX  + shipping cost ( XXXX XXXX XXXX XXXX, though it was not okay, I thought I could live without the PayPal fees and shipping cost, but turns out I am not getting a XXXX XXXXXXXX out of this. 

I do not know what my next recourse is because the buyer has disputed the payment and PayPal isnt helping at all. 

Please help me out here. Some details that may help you understand the case. 

Paypal ID : XXXX PayPal transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount on hold : {$1300.00} Please help me out and let me know if you need any additional information from me. 

Thanks.
Product: Debt collection

Portfolio recovery has contacted me at work threatened sue me for old debt from year 2000. This has passed statue of limitations in CT and any other states. They have been told not to contact me at work they do it anyway. Call me on my cell again XXXX XXXX today about sued me in court. what's so funny is debt was with capital one and they said debt was expired. They we're no longer collect on it and even offered me credit card. Plus I see the state of XXXX has sued them for millions.
Product: Checking or savings account

I received my refund check in the mail because I mistakenly used the wrong account number which was linked to a XXXXXXXX XXXX  card. It being a temporary card it didnt go through, so the check was sent back to the IRS for them to mail the check to me. Once I received the check in the mail, instead of paying a check cashing place I insisted to deposit the check in my bank account which is Regions bank.

When I gave the check to the teller, she then told me I would have to wait 1 business day then the funds would be available. Never did she say not once that it will be a 7-8 day hold. I deposited the check on XX/XX/2023 and the amount was {$5300.00}. I am not able to get out any funds and i am not able to pay any bills Ive never had to go through this it is very inconvenient and unprofessional with no communication on what I need to bring in to get my funds released.
Product: Mortgage

I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this. 
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to remove incorrect name, addresses, phone and to correct date of birth with no success. Some of these are connected to an ex-spouse that was not on any accounts with. There are also names and address that I have never used that are on my credit reports. My name changed in XXXX and I still can't get them to update it correctly. All of my creditors have the correct information on file and say they report it correctly. I have provided proof of my personal information with no success. This has been done several times in the past but the most recent was XX/XX/XXXX. 

The following should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Experian has account reported as late payment when account is not correct late. 
XXXX XXXX credit card reported XXXX and late payment while amount XXXX and correctly correct
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report for {$1600.00} no account was found in the system has violated my rights.

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

AMERIFINANCIAL SOLUTIONS has placed a collection on my profile. I have asked for debt validation several times with signed originals. They have not provided it nor removed the negative information
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in ( MONTHS REPORTING LATE ) to be removed.

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 21 days before the payment due date. 


( XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Debt collection

I contacted the company many times my score very dawn my ex husband my sponsor of XXXX and the company did collection bills of hospital  I had also a insurance and of government card of XXXX the company did the collection and now my credit score very low I had XXXX  XXXX I have evidences. Terrible company I tried contacted many times and I did complaint business bureau.
Product: Mortgage

This complaint is to be included with former complaint # XXXX. Please see all previously submitted information. This lender updated my profile to say all payments were paid as agreed on XXXX and then turned around and submitted another 60 days late on my XXXX credit file. They claimed to your company on XXXX they needed more time to investigate. My question is more time to do what? Destroy my credit rating with these bogus claims. All information across all bureaus needs to reflect that ALL payments have been made on time. No late payments have been made. I have all receipts for payments since the start of this nightmare with this lender. I have not included the actual bank statements due to the personal information contained in them. I will once again upload the complaint letter that includes all payments, the update that they just made on XXXX, and the alert that I just received from XXXX with XXXX XXXX bogus report sent to XXXX. Something has to be done about this. These bogus claims need to be taken care of ASAP. All the hard work no matter what's going on in the world ; that I have put forth to not have any late payments and protect my credit and then they continue to bounce from agency to agency destroying my credit is just not ethical!
Product: Checking or savings account

Hi ; I need to dispute this transaction for merchandize not received. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$440.00} The seller must sent the item and I should get it on or before than XX/XX/2023, since then I been trying to contact the merchant without sucess. 
I bought protein snack and gym suplements.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00XXXX XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Product: Prepaid card

Purchased a {$500.00} American Express gift card for someone but after XXXX purchase they were unable to make any additional purchases online due to transactions constantly being declined. Contacted Amex and they said it was a security measure and it was the vendor 's fault. The vendor says that it's a problem with Amex. I ended up giving the person cash and now I'm stuck with a {$500.00} card that I can't use online. Balance is there if you check their website but the card is constantly declined regardless of the vendor. 

American Express advertises these cards as usable anywhere that accepts American Express but that is clearly not true.
Product: Debt collection

Received a letter from a company called One Advantage, LLC, They claim that I owed money ( {$1000.00} ) and asked me to pay {$150.00}.

I never heard of the medical company they referenced, never had service from them.

This is clearly a scam that is trying to take advange of persons who may have medical debt ( many people do given the cost ).

I am reporting it so that others are not harmed by this scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on XXXX, XXXX and experian on XXXX thats wrong... .It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX or all that apply ) and update the accounts to positive.
Product: Debt collection

although i this collection wasnt mines i decided to call the company to resolve the collections since it was really harming my credit. this acct is not mines and i actually had requested a signed agreement. i dont even know what type of debt is this the service rep told me that if i will pay the debt in full that they will remove the collection out of my report. they recently gave me a letter of deletion but the debt is still reporting.
Product: Mortgage

As instructed, I hadn't received any notification regarding payment for the illegal foreclosure on my previous home. It was stated to contact Customer Service, but they didn't know what I was talking about. The next step, as instructed, was to complete this form. I initially requested a modification during the recession in XXXX because I lost my job, like many others. Not only did it take Wells Fargo a ridiculous amount of time to modify the loan, the modified it increasing the loan, never waiving any penalty fees. They also messed up the escrow and that caused an increase. The modification was supposed to DECREASE my payments, but never did. It took me over 1 year to get back into the job market at $ XXXX. through a temp agency, as opposed to my regular $ XXXX - $ XXXX annual salary. They were difficult, obtuse, rude ( even today when I called ), and you ALWAYS had to start over with paperwork with each call, sometimeson hold for hours at a time. It was so stressful, I had to have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and ultimately lost it in foreclosure, moving back to XXXX, XXXX  with my daughter. I had an attorney ( I'm not able to locate his information ) who was suing Wells Fargo on my and others behalf, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I believe. He was found in his office in XXXX... I've always questioned and wondered. 
Now, here we are in XXXX and a lawsuit has been filed and settled. Previous homeowners should really receive the cost of their homes value. After all, the banks received bailouts while millions of homeowners suffered. It's ridiculous!
Product: Mortgage

Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP request.
Product: Vehicle loan or lease

In XXXX XXXX had a total loss on a car that I purchased in XXXX the other company that was at fault XXXX auto pay them with the car was worth however Santander USA still says I owe over {$10000.00} at an interest rate of 17 % and they still charge me interest rate a daily interest rate as well a monthly payment of XXXX which I think is well over the federal law interest rate in Florida I tried to offer settlement because I can not still pay on the car do not have and at the time I was not working because of the car accident injuries they denied a settlement offer and it still charge me a daily interest rate FL from what I have paid and what the USA or have paid them in the car as well pay for. I was also infected by hurricane Irma, still consumer financial will not accept settlement and or no payment relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They have violated my rights numerous of times. I demand the accounts listed below be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.
Product: Debt collection

There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.
Product: Debt collection

While in the military I took out a loan. Upon discharge I ran into financial pitfall. XXXX XXXX military lending company refused to accept payment directly from me and mad me pay their collector. Account payment was agreed And settled in full with documentation to prove. I called XXXX XXXX company they said the account was closed and paid in full. I filed multiple disputes to have the account corrected. I called the primary creditor only to have the agent say that they will not report the account paid in full even though it is for 60 days. I told them they were lying to the CRA about the status and she said well it took you longer to pay us back. I continued to file disputes showing documentation and the creditor continues to say account is delinquent and add interest charges. This here is classic example of creditor taking advantage and punishing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease account with XXXX XXXX XXXX. They had erroneously reported it as past due/charge off, due to the company being slow to come pick up the furniture when I cancelled the lease. It has been corrected and changed to satisfactory on my XXXX  report, and is not even on my XXXX reports. It still is not showing correct on my Equifax report, after about a year, and finally I decided to file a complaint since I can get no where with either of the companies. The account was closed, after the company came and picked up the furniture finally, after repeated calls of telling them to come get the furniture.
Product: Money transfer, virtual currency, or money service

This is a Zelle and credit union issue. It was not made clear by either institution that I would be charged a fee " for inactivity '' if I had money coming in via Zelle, but not flowing out through Zelle. 
The app is used every month with money flowing into my account. Why Zelle considers that " inactivity '' is beyond me. 
My bank has reimbursed one recent fee. I have been charged multiple times. This is a form of fraud. And, it is a violation of my trust.