23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2022 I was looking to purchase a watch online for my anniversary. I noticed the vendor accepted PayPal credit and I chose to explore that avenue for payment. I went through the application process and signed up for PayPal service where I was approved for a {$2000.00} line of credit with PayPal credit and proceeded to try to use the credit for the purchase. Here is the deceptive part. I was immediately declined and in fact my PayPal account was temporarily suspended for suspicious activity, and all I did was try to make a transaction. After getting a confirmation call from PayPal credit confirming I was making the transaction the account was still locked out. Monday XX/XX/2022 I was able to speak to a PayPal representative and restore the account but I was never able to make a purchase since the option to use my PayPal credit was not available. I spoke to several people online and on the phone trying to resolve the issue but PayPal just blamed PayPal XXXX XXXX XXXX bank ) and PayPal credit blamed PayPal. I finally got a representative with PayPal to tell me the PayPal security algorithm is what is blocking me from using the credit option but no one can tell me why. Finally using PayPal 's own community feature I found out that in most cases a new PayPal account will never be able to use PayPal credit option because the account is too new, and the system which can not be overridden must see transaction traffic on the account other than the PayPal credit up-to a certain amount before the option to use the PayPal credit is released. I have since requested a closure of my account since this was not disclosed in their fine print and that whole reason for this complain is PayPal credit has run my credit like this was a real credit card when in fact it is not, and that was not disclosed to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent hard inquiries on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). These inquiries were not authorized by me and are the result of identity theft. I am demanding their immediate removal from my credit file. 

Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have enclosed the following documentation as evidence to support my dispute : FTC Identity Theft Report Official Police Report from the XXXX Police Department Proof of my identity I trust that TransUnion will act in accordance with federal law to rectify this issue without the need for further legal escalation.
Product: Debt collection

Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank, and preemptorily said he would write me off as " refusal to pay '' then hung up. I had no chance to ask any questions, provide or receive any relevant information, etc.
Product: Student loan

My original lender was Sally Mae, after I graduated the economy crashed and there was no support or aid for me. I could not pay and early on my loan accrued {$30000.00} in XXXX year. I was XXXX XXXX XXXX. Of course the school was also at fault and since my XXXX XXXX have finally won a legal case against the department of education for predatory lending associated with our school which has since closed.

I have already refinanced and paid more than my original loan amount but the lender has given no mercy and the claims against my school are unrecognized.

The lender also failed to reveal the original interest accrued by Sally Mae when the loan was sold.
Product: Debt collection

I've sent Westlake Portfolio Management a notice XX/XX/year>, certified mail with a XXXX form through USPS I have yet to receive. They've been harassing me, constantly sending me dunning letters after I requested them to stop, and they have even repossessed my car that is paid off through U.S Auto Sales ( U.S. AUTO FINANCE, INC ) who filed for bankruptcy and breached our contract.
Product: Credit card or prepaid card

Subject : Dispute fraudulent charge on a card closed for over 2 years and fix credit report ASAP Case details : a ) Card Issuer : BARCLAYS BANK DELAWARE b ) Account id : XXXX c ) Last 4 of  card number : XXXX d ) Type of Card : XXXX XXXXr MasterCard e ) Card Closed on XXXX XX/XX/XXXX f ) Unauthorized charge details $ Amount : {$100.00} + late fees Merchant : XXXX XXXX date : XX/XX/XXXX ( after 2 years of closing the card ) g ) Reported to Barclays agent : XXXX. Barclays refused to give me a case number I need help urgently. I closed my Barclays card on XXXX XX/XX/XXXX. My account was in good standing and I have paid on time as you can see from my past record. As I was applying for home loan, I was told that there is late charge on my credit history and my credit score is down by XXXX points. Now I am not getting Home loan. 

I am surprised that a card that was closed in XX/XX/XXXX can be charged in XX/XX/XXXX two year later by a merchant for a new transaction. This is a clear breach of trust and miss on Barclays fraud system. This was reported to card bureau as overdue by 30 59 days without giving me sufficient notice to dispute this charge. I also got repeated calls ( at inconvenient times ) from XXXX XXXX XXXX claiming to be calling for Barclays. 

This has negatively impacted me and my family and created mental and emotional stress. I request you to a ) Please help close my Barclays Account and all cards associated with it I thought I already did this. Please ensure no merchant can charge my CLOSED card. 
b ) I request you to please get my record corrected with the Card Bureau ASAP I need my score back and have to cancel my home buying plans c ) I would also request compensation for the stress and challenges it has created for me. 
d ) I would also like you to fix the Bank system, which I am sure has impacted other customers and will continue to impact more in future.
Product: Debt collection

As Linebarger Goggan Blair & Sampson, LLP ( LGBS ) and their client XXXX continue to ignore consumer 's complaint over the amount of the administrative fee piggybacked in the toll notices and avoid their responsibilities, I hereby demand LGBS and XXXX to provide the cost breakdown to justify the amount of this fee ( {$75.00} ). The cost breakdown should include details with descriptions, and be certified and endorsed by other relevant government agencies or authorities. In addition, I demand XXXX to explain the difference between the administrative cost for processing regular XXXX traveler and Non XXXX travelers, with the administrative necessity to charge extra fees in amounts that are 500 % of the tolls.
Product: Mortgage

In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ). 

Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well. 

I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank. 

This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.
Product: Mortgage

loan went from XXXX to SPS we need a lower payment we are XXXX XXXX and with the virus shut down we are totally without income we need assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

There are repeated disputes sent to Experian concerning XXXX of XXXX and XXXX accounts. There is also an open bbb complaint that has not been responded to as well. I received a generic mail response on today stating I need to state why I believe information is inaccurate or incomplete. My bbb complaint, as well as all of the other disputes clearly state that the reason for the dispute is the information on these accounts is being partially reported containing unknown data and does not list a complete and accurate history of the account and if 100 % complete history could not be verified to delete the accounts. The portions of the account history is being listed as unknown which was stated in every dispute however Experian refuses to correct the data and provide known data for the unknown portion of the account to bring the accounts to 100 % accuracy. There were a total of 11 accounts. 2 of which were deleted having been disputed for the same reason. However there is a constant run around concerning the remaining 9 accounts with the same problem. The method of their verification was requested. They refuse to provide information on whom they spoke to and the method that was used to verify the data and correct this unknown data information ( which obviously isnt verified because a portion of the all of these accounts is still listed as unknown ) and how they went about verifying the data so that I can follow up with the exact individual of whom provided them with this information. Also all unauthorized inquires were requested to be removed. The only authorized inquiries would be from XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. Supporting documents contAining my signature authorizing such inquiries is requested that gives them a right to report such inquiries. They were also requested to remove incorrect address information. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Any other address listed is incorrect. A total of 8 disputes were sent via mail and online and a bbb complaint has been submitted dating back to XX/XX/19 up until now. Also I am only disputing XXXX XXXX XXXX and all XXXX accounts however disputes are being opened by Experian for things that I have not requested Re-investigation for. Reporting accounts in an incomplete form is against FCRA and unknown account information must be corrected. The reason for dispute has been stated several times, However either they do not respond to letters or they ask for information to be provided which they have already been made aware of in the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to ask me for information regarding this account when the law states that YOUR COMPANY must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ).

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Your company has had several lawsuits filed against you for lack of proper verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

I am a customer at XXXX XXXX XXXX. OnXX/XX/XXXX, I  attempted to make an ATM withdrawal ( international ) for {$300.00}. The ATM machine froze and told me to try again later, and I did not receive the money. However the bank deducted the {$300.00} and recorded it as a withdrawal, but again I didnt receive the money. I spoke to the bank 's customer service and fraud departments, and they initiated a dispute on XX/XX/XXXX. It has been more than a week, and I have not received the funds or any updates on the dispute. I called the bank numerous times and they keep transferring me back and forth between customer service and fraud department, each of them saying that they do not handle that type of issue. Needless to say, it has been very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Vehicle loan or lease

I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or verify that this is indeed my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. Experian claims they are getting this data from XXXX XXXX and asked me to contact them. I did and after investigation, XXXX XXXX removed this entry from my file. However, Experian continues to report this entry despite numerous disputes. I have contacted XXXX XXXX and they informed me that they have notified Experian regarding the update to my file but that they can not control what is being shown by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like i'm taken advantage of and there are errors in my credit report that is affecting my character as a consumer. Under federal law, you are only supposed to report true and accurate information. I will have no choice but to escalate this if you do not comply with the law.
Product: Credit card

On XXXX XXXX I receive a Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. 
I was told at that time ( XXXX ) that due to my age ( XXXX ) it was not valuable to me. So I was not able to enroll, Little did I know that either Wells Fargo, or XXXX XXXX Had enroll me with out me knowing, and with out me Authorizing It. Age should not have been an Issue when it was being offer to younger person, I had an Excellent Credit Rating, and still have it to date. 

XXXX days later I receive another Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. 
Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. I did not at that time add this to my Credit Card due to It's cost. 

Both the Letters gave a phone Number on them to call If I had any Question, and Yes I called them, and was not Please with what I was told, on what the Compensation would be for this. Like every one else I did not Like being told I was to Old to add that Product to my card in XXXX, and as of to date I still do not like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to Experian, XXXX and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further Experian, XXXX and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.
Product: Credit reporting or other personal consumer reports

Its reported with all 3 credit agencies that the balance is Charged off as as reported as Profit and Loss with the IRS. However I have not received my 1099 to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the 1099 filed and this account removed from my report across all 3 agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report through Experian and noticed inaccurate information that does not belong to me. Following their instructions, I promptly filed an FTC Identity Theft Report, submitted documentation outlining the disputed information, and provided my ID along with proof of address. 

Despite complying with all their requirements, Experian has failed to remove the incorrect items from my credit report and continues to give me the runaround regarding this matter. Additionally, they have not granted me access to view the results of my disputes online, which hinders my ability to track the progress or resolution of my claims. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if additional documentation is submitted ) and provide consumers with the results of the dispute investigation ( 611 ( a ) ( 6 ) ( B ) ). Furthermore, the FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report ( 607 ( b ) ). XXXX failure to address these inaccuracies and provide timely access to dispute results appears to violate these provisions. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX practices and hold them accountable for their noncompliance with federal law.
Product: Checking or savings account

Excessive fees that are abusive and outrageously expensive. Basically worse now than a payday loan that just results in bank making more money on more fees. On XX/XX/XXXX I had a positive balance yet on XXXX XXXX a fee was charged for item not showing pending that was not on debit card? I also complained of XXXX payment I didnt authorize in XXXX that later was credited XXXX XXXX your company still didnt respond or credit the overdraft fee. This is without question excessive to charge XXXX in XXXX alone with 23 overdraft fees! Thats more than some peoples Rent or mortgages. 
We have paid over {$2200.00} in fees since XXXX which is more than outrageous!! I have called and emailed only to be told the bank can not waive fees fee for the even even though our direct deposit will cover in a few days and they will not necessarily pay more than 3 a day and not charge a fee and can wait for a return thrn charge fees and charge fees on the small amounts and return utilities and important bills at there choosing and pay them later and charge 3 more fees if they choose.so when I ask about the 3 fees a day limit they say it really doesnt mean anything. Omg
Product: Debt collection

This collection agency keeps calling all day long and late hours at nights too. I have told them this is not my debt and to stop harassing & calling me anymore in the future. I have a receipt showing that I have paid this XXXX  bill in full. The last time this collection agency called, the person that called stated that I had to call him by the end of the day or actions would be taken against me the next day.