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

I opened a PayPal business account complete with my and used it in conjunction with my XXXX account. On XX/XX/2022 at XXXX PM PDT I received my first payment via PayPal for a service rendered to a customer through a XXXX XXXX XXXX  The fund were added to my account but placed on hold due to my account being limited. I updated the service to reflect that it was a service and not a product so there would be no shipping. This then let me know that I would receive my funds by XX/XX/XXXX. 
Upon adding my bank account, PayPal let me know that I needed to submit more verification before I could lift a 21 day limitation and actually deposit the funds. The requested verification was a copy of my driver 's license for ownership and to confirm my business details including name, address, phone number, and what my business category was. I filled in the information correctly and had my business listed under services, other services, and filled in the box with full-spectrum doula services. The last time I was able to see the verification screen, it showed that drivers license had been verified and the business information was pending. 
Shortly after that I received 2 emails from PayPal letting me know that there and that my funds would be held for up to 180 days with these Ref ID - XXXX and Ref ID - XXXX. 
I called PayPal to see how to resolve this issue, customer service said they weren't sure why the account was shut down and said they would see if a secondary review would change anything but that would take up to 48 hours and wasn't sure to do anything. I let them know I have all the legal information required as my business is an LLC with its own bank account and EIN, which have also been provided to PayPal. They said I could call them back if no one reached out and they would try the process again.

I have read that other businesses have experienced similar problems and ended up stuck in a loop of waiting for a secondary review which never comes or they are eventually told there's nothing to be done and their accounts will be locked permanently. I would like to have this resolved as soon as possible because I am a small business and not having this money for 6 months is not an option. I have bills to pay and I've done nothing wrong.
Product: Credit card or prepaid card

USAA Credit card first told me I had a {$2500.00} cash advance and I told them I have NEVER done a cash advance on any of my credit cards. I was then told by them that I made a Balance Transfer for {$2500.00}. I asked them, who they payed {$2500.00} to as a balance transfer in my name. After 3 weeks of waiting for them to give me an answer they told me they only keep those records for 12 months and would not tell me who they sent the money to. They could tell me about credit card purchases I made before the so called transfer. 
I've put my payments on hold until this is resolved. I've also sent in a complaint to the 3 credit reporting agencies and am waiting to here back from them.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for and was approved for a XXXX XXXX with Continental Finance Company and received an approval email with a reference number. 

Several days later, I am being told that I applied for the wrong card, that there was a display error, and that I should disregard the original card and accept another card that I did not apply for.
Product: Checking or savings account

Two CD for XXXX and XXXX were closed on XX/XX/2025 Clear instruction were provided to via transfer the funds to linked accounts where interest from CD was transferred monthly No one provided any information informing how and if at all funds were transferred After escalation research ticket was created and XXXX to get any update was 3-5 days after me waiting for three days already Information was provided checks were mailed on XXXX XXXX for maturity amount of both CD No tracking, mode of sending checks to me, or any additional updates were provided to ensure secure delivery of the check I scheduled house closing based on assumption that I will get funds in my account in 2-3 days max I had to take back my offer on the houses since there are no funds available even as of today I received first check and deposited the check in XX/XX/XXXXXXXX account where I was informed since its regular check there will be 10 days hold before funds come to my account. 
I as of today still have not received second check I have been calling bank everyday but no updates provided except told its 7-10 days of time before they look into it Still waiting and if by luck I get check by XX/XX/XXXX, thats when 10 days are completed, I have to wait another 10 days to get check cleared I have second time have closing scheduled for which o have to make advance payment and full payment by XX/XX/XXXX I sincerely request for help in this case as I have been twice deprived of buying a house I can be reached at XXXX I have evidence to support my claims the whole situation has caused me mental trauma and anxiety which is resulting in me not able to sleep eat or work Please help! 

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

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights on my XXXX report In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX  XXXX has violated my rights on my XXXX report 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please correct my account XXXX XXXX XXXX XXXX XXXX
Product: Student loan

More than 10 years ago I was given many false promises about financial aid and student loans. I was told there would be zero interest. I was told the loans would be capped off at a certain amount. I was told many lies by my school the loan complains and advisors. Now I 'm $ 60,000+ in debt for going to a two year XXXX college that only costs {$80.00} per credit for a two year general studies degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.
Product: Credit card

I received a Cash app card in the mail I did not apply for. It has my full name on it, however when I called the company Cash App to shut it down they sent me an email saying they wanted me to upload the card front and back. I did not do as such.
Product: Debt collection

Firstsource Advantage LLC send me a letter true mail stating that I own them a sum o money that of course I do not own them. 

Firstsource Advantage LLC have not the right to use my Personal and or Federal information like Names, Addresses, SSN. 

By now I request Firstsource Advantage LLC to send me Signed documentation that shows that I have a business with them or that I own them any sum of money. 

If in 15 days Firstsource Advantage LLC do not send me documentation with my Signature on it I will not Hesitate to fail a Lawsuit against Firstsource Advantage LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected nor remove disputed accounts, as Experian inaction violates federal law and my rights as a consumer. I have not been able to place a dispute online I have called them, and they tell me they will fix the problem, but they have not
Product: Mortgage

My home went into foreclosure with Ditech XX/XX/2016. In XXXX I was working with Keep your home California with help on getting caught up with my mortgage. I was in Foreclosure at the time and Ditech refused to work with me and Keep your home California. I continued to send in the paperwork they requested but they kept saying they did not receive it. Then I received the sales date where they were going to Auction my house on XX/XX/2016. One week prior I found a cash buyer, they needed a payoff amount and again Ditech refused to disclose it and said it would be mailed. The buyer tried to get them to move the sale date ahead a week to wait on the info and get the finance together, again Ditech refused. No one bid on the house at the Auction so it reverted back to them. They then sold the house the end of XXXX for XXXX I owed approx XXXX, they profited about XXXX. I feel this is Unjust Enrichment, Fraud, Fraudulent Transfer, Robo and Dual tracking. My wife of 35 years and I have been homeless since our home was stolen by these crooks. The FTC found them guilty of tons of stuff and fined them around XXXX XXXX. 

Ditech 's Account number was XXXX. Sales Notice CA XXXX-Property address- XXXX Ca XXXX
Product: Checking or savings account

On XX/XX/year>, I attempted to send a peer-to-peer ( XXXX ) payment using my Chime account. When I initiated the transaction, the recipients name displayed one thing, but after the money was sent, it went to someone entirely different. Realizing this issue immediately, I called Chimes customer service within XXXX minutes to report the discrepancy and request that the transaction be canceled or corrected. 

Despite my prompt action, Chime refused to reverse the transaction, citing that no error occurred. This is unacceptable given that the issue was reported instantly and before any funds could have been withdrawn or used by the unintended recipient. 

Chime later denied my dispute ( Claim ID : XXXX ) and stated that no error had occurred, even though their system clearly sent funds to an unintended recipient. As a customer, I followed the correct procedure and reported the issue immediately, yet I was denied any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX ( Experian )XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and Account # XXXX ( XXXX ) blatantly infringe upon federal regulations, as stipulated by multiple statutes. 

Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim.

Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims.

Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as dis
charged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters.
Product: Credit reporting, credit repair services, 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the bureaus.
Product: Mortgage

Hello! I would like to complain about Pennymac company. I have tried to resolve my issue over the phone and via messages a few times without any success. I have a mortgage with them for about 10 years, they are not my original mortgage originator. I have attached the screenshot from my " Loan Activity '' page and the answer they provided about interest part calculation. My interest 3.5 %, my monthly payment is {$2200.00}, escrow is {$560.00} and usually, I do an additional principal reduction payment on the 13th day of every month. So basically, for the previous 10 years, they computed the interest part of the monthly payment using the last available principal balance. In the " Loan Activity '' attached document you can verify that : XXXX. Line XX/XX/2022 - interest {$470.00} = ( previous balance ) $ XXXX XXXX. Line XX/XX/2022 - interest {$460.00} = ( previous balance ) $ XXXX But starting XXXX 2022 ( Line XXXX/XXXX/2022 in " Loan Activity '' ) they changed the interest part calculation, they provided the answer in the attached document " Answer 2 ''. Instead of charging {$440.00} = ( previous balance ) $ XXXX, they charged interest part {$440.00}, dividing the month into two parts : before receiving a principal reduction and after. The same issue happened for the XXXX payment. My argument is that even if I have a fixed payment every month, my interest part now is more and the principal part is less. Also, they did not provide any notice before implementing the changes. Their arguments are- they should not provide any written notification because they enhanced interest calculations in order to save the customers ' money. I think it is not true and deceptive, without any difficult calculations it is obvious that they do not save my money. My calculations are in the " fair resolution '' box and for the two monthly payments my principal balance off {$4.00}. And it is only one account, doing it for every account brings them thousands every month. Please contact me if you have additional questions or need more evidence, phone # XXXX. Regards, XXXX XXXX
Product: Mortgage

I logged in to make my monthly payment a few weeks ago ( XX/XX/XXXX scheduled payment ) and there was a error with my bank and the payment was returned. I immediately logged back in to PennyMac, and made a new payment which was successful. ( XX/XX/XXXX ) After the successful payment, PennyMac tried to debit my account two more times ( XXXX and XXXX ) for the XXXX payment- which they already had. As a result, I have 2 NSF fees on my account from my bank ( the bank already acknowledge their initial error and refunded my initial fee for the returned payment. That is not what this complaint is about ). 

There is no reason for PennyMac to try and process my monthly payment AFTER they already received it. Certainly no reason to do it twice. As a result, I have {$58.00} in NSF fees with my bank which would not have occurred without Pennymac 's error. 

I already tried to resolve with the company, and the rep doesn't even understand what the problem is, so I'm escalating.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX we e-paid our mortgage to XXXX XXXX for the full amount {$1900.00}. On XXXX XXXX we received a payment returned notice from XXXX XXXX, they stated there were insufficient funds. 

This was not true and I copied my checking account statement from my bank from the dates they claimed to have presented the check for payment, which was XXXX XXXX. I sent the copies to them by their emial system. I also called my bank to see if the problem was their end. My bank said they never received any call or claim for these funds from XXXXXXXX XXXX from their epayment system. The XXXXXXXX XXXX system just did not register my payment and then they marked us 30 days late. I sent this bank statement to them to ask them to correct this mistake. They wrote back by email that there was no mistake and that there were not sufficient funds and did not correct their 30 day late status. They also attached the detailed spreadsheets showing we paid late in XXXX and this is their proof that we paid late. We did not pay late, their e-system was broken. 


I also have disputed this mistake to credit bureaus XXXX and Experian who did not update our account after I disputed it. This mistake is due to a technical glitch on the part of XXXXXXXX XXXX, who has insisted they are right when I have proven with my bank statements this is not correct. 

Would this office be able to help?
Product: Credit card or prepaid card

I was interested in tickets to a XXXX  XXXX basketball game. I searched on line on XX/XX/17 and found 2 tickets that I was interested in for {$160.00}. I provided my credit card information to the seller and discovered that the tickets were available only electronically. This was not suitable since the tickets were a XXXX gift. I then declined the tickets. I have an email from the vendor stating " You have declined the ticket ( s ) offered by XXXX XXXX. This offer is no longer valid ''. I was surprised to see that I was charged {$160.00} when I received my credit card bill. I disputed the charge with the bank and my claim was denied. I appealed to the bank and my claim was again denied. The bank states that " we can't confirm you're due a credit because the merchant has no record of you cancelling the request within policy guidelines ''. The merchant 's policy is that orders can not be cancelled. I contend that the offer for tickets was declined, so that there was no order to be cancelled. I spoke by telephone with the bank, and their supervisor explains that the bank can not refund the {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, XXXX, and Transunion are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted police reports, identity theft reports and countless emails showing that first progress account was due to fraud they refuse to take it off my credit report even with all the documents I gave them because they claim the company provided them with my first and last name and my birthday which is information that anybody can get off of any social media platform so how exactly can they prove something to be accurate when Im giving experian all this information even a police report showing that its not
Product: Credit reporting, credit repair services, or other personal consumer reports

VARIOUS FINANCIAL INSTITUTIONS, SHARING MY PERSONAL INFORMATION WITH 3RD PARTY AFFILIATED AND NON AFFILIATED ENTITIES!! 21 INQUIRIES WHICH AGAIN VIOLATED MY PERSONAL INFORMATION PAYMENT HISTORY AND ANYTHING TO DO WITH ME PERSONALLY! @!

15 USC 6802 A, B, C,