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

I sent XXXX XXXX  through Paypal to a person providing training services for a workshop I will attend in XXXX. 

To my surprise the person on the other end was charged XXXX XXXX  in fees. Apart from the embarrassment of not knowing I was sending a smaller amount, now I need to send the remainder of the total payment. 

I contacted Paypal because, at no time while I was processing the payment to be sent, did Paypal disclose the fee to be charged. 

Paypal says that the information about fees is on their webpage. I responded that that is not very transparent on their part, BUT, more importantly, that at a minimum such fee should have been disclosed on the receipt I received from Paypal after the payment was sent. In fact, the after the fact receipt ( attached ) is misleading where it says that the amount I sent WILL BE RECEIVED by the person on the other end. Obviously this can not be true if Paypal will deduct a fee. 

It is obvious to me that Paypal is doing the most they can to hide the fees they receive. Had I known about that fee, even if after the fact, I would have had the chance to contact the person on the other end to know. Also, knowing in advance would have allowed me to submit a higher payment to cover the fees. 

Paypal needs to disclose they fees that they will charge on the other en XXXX the transaction. This is not a surprise for them. It should not be a surprise to the customer planning to send a payment either. 

After talking to an agent and then a supervisor, the answer from Paypal boiled down to some statement along the lines of " too bad. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. 


" XXXX XXXX '' XXXX {$320.00} " XXXX XXXX '' XXXX # XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

My home was damaged during Hurricane Florence. My mortgage company servicer XXXX decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call XXXX requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.
Product: Debt collection

Date XX/XX/2018 {$600.00}, I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX for a couple of years. I have been living in XXXX  until I moved to XXXX  since XX/XX/2021. I have updated my personal information ( address change, driving license and vehicle information ) in ubers driver app, bank account, insurance etc. I did notify DMV, the county that I used to live and all other offices about my address change accordingly. However, I have received an email on XXXX XXXX, from checkr about my background check for uber. When I saw the details on my background check report, there are wrong ( unupdated information ). They put my old address with my old driving license number and reported as if I have no active driving license. I have tried to reach at them through email and phone call. I have attached my current driving license though their portal but they are not taking any corrective actions and I couldnt reach at them through phone. Because of that wrong background report, uber declined me from using the XXXX XXXX app and my credit score dropped. Please let me know what to do for checkr to correct their report thanks.
Product: Credit reporting or other personal consumer reports

experian is reporting XXXX XXXX account on my credit file I have attached letter of removal from XXXX XXXX this account and balance do not belong to me fraud identity theft
Product: Checking or savings account

We received a very short notice in the mail on XX/XX/year> that our business bank account would be closed due to CapitalOne disclosures to close accounts at any time for any reason. The close went into effect XX/XX/year>. We never received one correspondence via email, text or even within the app or website of this change. Only the mail notice. For something this urgent, CapitalOne should have used email and mail or at least two methods of contact as they've done in the past to reach us. We called their service number twice to understand what policies or governance we broken to require a shutdown of the account and no one could explain the reason but that CapitalOne just wants to. When asked why the check hasn't been issued but none of the funds are available ; they explained that the account isn't technically closed and they don't know when the account will close to start the issuing of the check although all the funds are locked from our use. It is illegally for a bank to hold any funds without notification of the reason for the hold and when the funds will be available.
Product: Credit card

I have had 4 separate CC 's issued by Synchrony bank. Each card has had the credit limit lowered by them to what the balance on the CC was, even though I never missed a payment and paid on time. Each time this has happened my XXXX score has went down by XXXX points, I know as I track it using my XXXX app. I have closed all of the cards with them and in the process of paying off the balances so I can be completely done with them. Researching this on the internet I discovered this is a common practice by them and has damaged other consumers XXXX  scores as well. I believe this practice needs to be stopped and they need to be investigated, it is not fair that they are doing this and damaging my XXXX score which I have worked hard to maintain.
Product: Credit card

USAA TOOK MY {$350.00} PAYMWNT AND APPLIED IT THEN NEVER REFLECTED IN THE BALANCE, I CALLED AND SPOKE WITH MULTIPLE SUPERVISORS REGARDING THIS. THEY REFUSED TO REFUND THE PAYMENT AND CLOSED MY DISPUTE. I BELIEVE THEY ARE TRYING TO GET AWAY WITH MONEY LAUNDERING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inaccuracies on my credit report starting with previous addresses that are wrong and not mine. Previous employers that are not mine and 3 accounts that are labled charge off which is in correct and an account that was never late and an account with the date of activity which is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with XXXX, XXXX   and Equifax several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Product: Credit reporting or other personal consumer reports

i made numerous attempts to rectify this issue and they only deleted one account off my report. transunion failed to verify my accounts on my report. the information is inaccurate should be deleted immediately. this is the second complaint im filing and should be the last.
Product: Credit card or prepaid card

Bank of America has irrepairably damaged their reputation by " insisting '' on charging me fees, and ignoring my calls, then ignoring my credit line increase & requests for additional cards.
Product: Student loan

AES recently responded to a previous CFPB complaint about claiming they're under obligation to send correspondence through the mail for any loans going past due. If AES feels that what they're providing is the truth, then they should be sending all documentation highlighting where it says specifically that they are under 100 % obligation to send correspondence through the mail. If AES can not prove this, then they have no case and should be held under extreme scrutiny for Fraud. It's the same as if they were in a court of law and couldn't prove it, but claimed what they're saying is the truth. Until they prove what they're saying is true, it's honestly anyone 's word, and for all I know they could have been found guilty of committing perjury in the past. 

It's pretty obvious that AES is starting to build a very unwanted profile of themselves. All you have to do is read any one of the MANY potential suits/complaints below or active suits below. Any consumer who has loans through this company should never trust this company and question every move they make. Sorry to be so exposing, but AES trying to claim they're doing the right thing without providing proof that they aren't is an attempt for them to play devil 's advocate. 

https : //www.meyerwilson.com/AES-Student-Loans.aspx https : XXXX https : XXXX https : XXXX https : XXXX From XXXX ( if a company was so squeaky clean of any guilt, then you shouldn't have gotten a lawsuit filed against you to begin with, no? ) The lawsuit accused PHEAA of deceptive practices that caused public servants to lose benefits and financial assistance under two federal programs, including one that forgives student loans after about 10 years of public-service work.
Product: Mortgage

BMO took over Bank of the West. In XXXX I set up for auto pay for the XXXX payment. BMO did the test. 3 deposits into my account and 3 withdrawals. XX/XX/XXXX I get an email stating they have received my external funds transfer request. XX/XX/XXXX I get an email stating the external funds transfer is in progress. XX/XX/XXXX I get an email stating that as of XX/XX/XXXX the funds have been credited to my account. 

Before BMO we were having the money deposited into Bank of the West from our other bank and then the loan was paid. On XX/XX/, we got a notice saying there was insufficient funds to pay the loan. At that time we told BMO not to take money out of that account anymore. We got an insufficient funds notice dated XXXX  the same day that BMO said my funds had been credited to my account. 

I called BMO on XX/XX/XXXX and it's a debt collection. No one to look to tell me where my payment for XXXX was. They kept asking me questions do you plan to keep the property, when do you get paid, etc. I kept telling them I paid and where is my money that you took. On XX/XX/XXXX I had to send proof of payment showing that they took the money out of my bank account and no one has been able to tell me where it is. 

On XX/XX/XXXX I get an email saying my funds transfer will start in 3 business days. ON XX/XX/XXXX I get an email stating my funds transfer has been scheduled. On XX/XX/XXXX I get an email stating my funds transfer is in progress. 

Today, XX/XX/XXXX I get a pink letter dated XX/XX/XXXX reminding me my XXXX payment is past due and this could be an attempt to collect a debt. 

I can not get any person at BMO to tell me where my payment for XXXX is. When we check our statement on line, it still shows our mortgage is past due.
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ad Astra Rec not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Report Number XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report an error on my credit report and request your assistance in resolving this matter. On XXXX XXXX, I contacted Experian 's Fraud Department to report inaccuracies on my credit report. Specifically, I informed them that there are addresses listed on my report that are not accurate. 

The representative I spoke with stated the address would be removed yet a few days later I received an email stating my credit report addresses have been updated so I called Experian again upon receipt of updated credit report and on this day they stated the credit report had been updated and not removed as this account was linked to a XXXX  XXXX charge-off. However, I would like to clarify that I only had a bank checking account with XXXX XXXX, which is currently in good standing. I do not have any outstanding debts or charge-offs with XXXX XXXX. 

Despite the representative 's assurance that the addresses would be removed immediately, it was updated. I am concerned that the incorrect information remains on my report. I kindly request that you assist me in having these addresses removed immediately. 

To further emphasize the urgency of this matter, I would like to note that the addresses listed on my credit report do not match the address on my driver 's license or my current residence. This discrepancy may cause confusion and potentially harm my credit score. 

I would appreciate it if you could look into this matter and take the necessary steps to correct my credit report. Please find my personal information and account details below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian Report Number : XXXX Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

I have mail my driving license, social, bill statement to XXXX, XXXX, Equifax and they still have not correct my address. There should be only one address on my credit report.
Product: Debt collection

Initial phone call from them they refused to accept partial monthly payments they would only accept payment in full or a payment plan of 1/2 the balance one month the other 1/2 the next month. I tried to set up payment arrangements they refused. They didn't even send a initial letter informing me that they were handling my medical bill. I ask about that and they said they send only one. I told them I would pay what I could. Then I get another call on XX/XX/11 from someone different and they actually agreed to accept my bi weekly payments of {$40.00} for eight months. Then I get another call today when I called back the man said that I had no payment arrangements on file. I told him who I spoke to and he said that he could see that but no arrangements were made. When i told him i would be making bi-weekly payment for 8 months He said that is a verbal arrangement and we do not accept verbal arrangements unless I give them my credit card or bank account information. I told him that wasn't want I was told yesterday and I am not going to do that. I will continue to make my arrangements and do not call me again unless I don't pay.
Product: Debt collection

XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX   WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; 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 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: Mortgage

I have separated from my partner and am planning to take ownership of our home, buying out his interest in the property. I contacted my lender, Santander Bank, who said that my mortgage type isn't eligible for assumption ( it's a conventional loan ) because it's a " portfolio '' loan. They said it has nothing to do with either of the borrowers on the note.

However, my federal loan disclosure provided at the time of closing indicates that my loan is, in fact, an assumable loan. There is clearly a discrepancy here. If the loan has never been an assumable loan, then Santander falsely disclosed that my loan was eligible for assumption.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. I was never late on this account. There are multiple errors. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update as OPEN - never late. 

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

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent Affirm Loan Account using my personal information and identity. I never applied for any loan or account with Affirm Loan Services. The Affirm Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit card

A check was mailed to XXXX on XXXX. It was cashed on XX/XX/year>. XXXX has not applied my payment and I have made numerous calls for the last two weeks trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : There is currently an inaccurate item being reported on my credit report from XXXX  XXXX XXXX XXXX University. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX, TX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausXXXX, Experian, and XXXX. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX