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

I logged into PayPal to send an invoice to someone who owed me money. I accidentally sent them a payment of {$3200.00} instead of sending an invoice. The recipient was very cooperative and refunded this mistaken payment immediately. 

However, PayPal charged a 2.9 % transaction fee on my payment ( in this case, the fee was {$93.00} ). PayPal refuses to refund this transaction fee, even though the original payment was an accident and was promptly refunded by the recipient. 

I contacted PayPal through their message service. I received an unclear reply with several grammatical errors. PayPal said " because when you send [ sic ] the payment, because it was for a [ sic ] goods and services, the money that the receiver get [ sic ] was the amount they refunded you ... '' I sought further clarification, and received a subsequent message from a different customer support agent, stating " If someone refund [ sic ] a payment for goods or services, there are no fees to issue the refund, but the fees you originally paid as the seller or sender are not returned to you. '' Again, this was not a " payment for goods or services, '' it was a mistaken payment that was refunded by the recipient. It seems totally unreasonable that I am being charged nearly {$100.00} in transaction fees for a transaction that shouldn't have occurred, and which was reversed within minutes. Furthermore, PayPal insists upon characterizing this as " a payment for goods or services, '' which it plainly was not. The recipient did not provide goods or services, was not expecting a payment from me, and promptly refunded the mistaken payment.
Product: Debt collection

They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.
Product: Credit reporting or other personal consumer reports

XXXX mailed XX/XX/2023 requesting copies of any documentation bearing my signature authorizing the below inquiries along with contract bearing my signature showing that I gave them permission to furnish any information on my creditor report. 

AMERICREDI XX/XX/2023 XXXX AMERICANCR XX/XX/2023 XXXX the company NEVER RESPONDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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: Money transfer, virtual currency, or money service

Hello on XX/XX/XXXX I came across a twitter account with the name Lay_Gloski I have been trying to report her so they shut her down. She probably scammed a lot of people by blocking the victims right after receiving money. I genuinely believed she was actually investing money for us to give us back a larger amount. It was all a lie and I just believed it. She mentioned she was with XXXX and would be able to pay us more than we paid her since shes been trading with XXXX. After I sent her the money she asked. She blocked me and declined my money request, my bank told me they would start a claim but Im not sure how thats going to go as normally scam money doesnt come back.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial is a rip off! Constantly paying on the loan but it doesnt add up. The amount is always still the same. They over charge on interest!
Product: Credit card

There was an order placed XX/XX/year> for {$520.00} from " XXXX ''. The order was market as delivered, despite never being delivered. I reached out to the shipping company ( XXXX ) to notify them about the delivery issue and they instructed me to contact the merchant to open a claim about the package. I reached out to the merchant for help, but they were immediately dismissive, therefore I opened a dispute with Goldman Sachs. Goldman Sachs refused to investigate the matter properly, even though the dispute was reopened numerous times. I requested evidence as to why the amount was re billed, but there was no evidence of any sort of an investigation that was done. The " evidence '' I received consisted of a screenshot of the tracking information and a screenshot of the confirmation email, neither of which addresses the reason for the dispute. I requested the dispute to be reinvestigated over and over again with absolutely nothing being done. At the current state this dispute has still been unresolved after over 2 years, which is quite ridiculous and unheard of. I requested the dispute to be reopened 5 times since it was last re billed in XXXX and was informed that it has been reopened, but that hasn't been the case. When asked why Goldman Sachs is refusing to reopen it, I was told that it has been reopened so many times that unless there is new documentation, it won't be opened anymore. This is despite no evidence of any serious investigation into this matter over the extensive timeframe. The representative I spoke to instructed me to open a police dispute regarding this matter to reopen the dispute and change the outcome which I have done. However, since this point the dispute has not been successfully reopened despite claims for multiple agents of the opposite. I have not been able to submit the new documentation relating the the matter that was requested by a support agent and the dispute remains unresolved without any investigation. If this is not resolved in a timely matter, due to the timeframe that has already passed, I will have to seek legal options through an attorney.
Product: Debt collection

I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. 

I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.
Product: Credit reporting or other personal consumer reports

The credit bureau Equifax is showing the incorrect credit score on my report. They are also showing the incorrect name on my equifax report. The correct name should be XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to Capital One auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am not liable for this debt. Fact, that I am requesting books of accounts and financial and corporate records regarding this alleged debt pursuant to 15 usc 44.

" Documentary evidence '' includes all documents, papers. correspondence, books o ( iccount, a a financia @ nd corporate records. " Acts to regulate commerce '' means subtitle IV of title 49 and the Communications Act of 1934 |47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto. No such debt exists.
Product: Student loan

I received an illegal robo-dialed phone call from a company that offered to assist me with rolling my payments for a loan into the Federal PSLF program. I spoke to two individuals, one who answered the call after I followed the prerecorded message to 'press 1 to speak, ' and a supposed 'loan specialist ' who spoke about my loans and talked to an 'underwriter '. He asked for my FSA ID, which I provided, and reset my password ( which he communicated what it was to me ), then overviewed my loans and sent paperwork to me via email that I could digital fill out and asked for a payment method. My loan was going to be placed on forbearance for 4 months while they intended to collect {$990.00} across four payments. I brought up a few times about my confusion as to why I would get a loan payment letter from the federal government in the mail upon completion of my sign on and he said my loans were just going to be rolled into a new program. I switched my repayment program once already and I never got an email or printed mail about the loan being paid off. He assured me I wasn't privatizing and that they were handling the paperwork for recertification and loan forgiveness. I told them I would think about and we ended the call. I couldn't find any information about the company but they hit the marks on numerous articles about PSLF scams. 

The company was called Clear Start Today. 
Their address is ( supposedly ) : XXXX XXXX XXXX, XXXX, CA XXXX or another address is ( supposedly ) : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I should also mention my phone flagged the call as from XXXX and was different from the callback number I was provided. 

Called from : XXXX Callback provided : XXXX I got a text from : XXXX The paperwork they wanted me to fill out was loaded with legal agreements and a power of attorney contract. There were typos and the address information didn't match up between the website and the paperwork. Some of the forms didn't directly match up with those provided by the agencies they intended on communicating with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not " user friendly '' to work with online, in that they appear to be the credit bureau that requires payment to get credit reports, file disputes etc. 

Employers listed are Wrong. These needs to be Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account showing up with all 3 credit agencies for {$3800.00} from Credit Control Corp saying the original creditor was XXXX XXXX XXXX XXXX. I was not a patient of XXXX XXXX XXXX XXXX and have not been shown this bill from XXXX XXXX XXXX XXXX. Please remove this information from all three credit bureaus or please send me the bill with dates of service from XXXX XXXX XXXX XXXX. I do not know what this service was for. I have disputed this info twice with the credit bureau, yet both times it has just said the information has been verified by Credit Control. I have never been sent documentation of the original bill for services supposedly received from XXXX XXXX XXXX XXXX. Please remove this erroneous information from the XXXX credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to the CFPB to have TransUnion properly address my account due to some things being incomplete and not accurate. After TransUnion reviewed my accounts, those same accounts were still on my profile as verified and accurate. According to the FCRA, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On XX/XX/XXXX, I sent a letter to TransUnion demanding that they delete accounts from my report due to the information not being accurate. I also highlighted the erroneous information on my report. which shows the active dates all being reported differently by each bureau. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate due to the Date of last Active being reported differently by other bureaus. How could this be when the accounts appear to be furnished by the same creditor? Also, according to 15 USC 1681s-2 ( a ) & ( b ), 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. Please see attachments.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. The following accounts are : XXXX XXXX XXXX, Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. They have violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of FLORIDA medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a wrong debt collection in my Experian credit report, and Experian declined to fix this mistake. Can CFPB help to solve this issue? Below are the time line. 

1.Experion credit report wrongly showed 1 collection as below. However, I never had any interaction with the collection agency. This is a huge mistake somewhere. I checked 2 other credit bureaus, and they did not have this collection. 

2. I called the collection agency phone number twice. The collection agency tried to search my account in various ways ( including my social ), and can not locate any account information or collection about me. However this agency is not willing to render any written form of evidence. They just asked me to ask Experian to verify it.

3. I opened an online dispute over Experion.com. Experian has the wrong data, and Experian declined to fix this mistake and kept it's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX 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 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 XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has now reported a delinquency on my XXXX XXXXXXXX account in the amount of {$700.00}, I was denied credit as a result. I have contacted an attorney about all the INACCURACIES AND THE UNVERIFIED information on my credit report. The {$700.00} was actually a credit line INCREASE! XXXX XXXX has reported to them that my account is current and active, but XXXX REFUSES to correct it, stating that the verified that the information is correct, the LIED! I am enclosing a letter from XXXX XXXX XXXX as well as a current XXXX XXXX XXXX  statement. This is affecting my credit! Also, I think it would be fundamental for them to know that XXXX XXXX also issued me another card for the amount of {$1500.00}.
Product: Vehicle loan or lease

I paid car loan off in XXXX XXXX. After multiple conversations due to late payments reported in XXXX and XX/XX/2023 due to app payment issues, this was not removed. I paid loan off due to frustration and XXXX weeks later have another late payment reported on XX/XX/2023 even though the balance is XXXX and I received refund for over paying. Bank of America admitted the issue on XXXX XX/XX/2023 at XXXX and told me they would fix but to also call the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.