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

XX/XX/22 - unauthorized money transfer from my paypal cash balance in US dollars to XXXX dollars XX/XX/22 - money was transferred back to US dollars and I lost XXXX due to the loss in the currency exchange rate XX/XX/22 - I opened a case with paypal. While on the phone the rep said he sees this is unauthorized and I will get the difference back into my account in XXXX hours XX/XX/22 - I call to close my account. The rep dissuades me and tells me I can speak to a supervisor. Then he hangs up on me. 
XX/XX/22 - I call 2x, waste 21 minutes with rep stating he's going to get it fixed. He comes back on the line after being put on hold multiple times and says they will give me a credit voucher on my account to use for my next purchase. I explain that is unacceptable, I had a cash balance and they are violating their contract agreement with me by not restoring my cash balance in full after finding in my favor. I tell him I want to escalate to a supervisor. I get transferred to someone in a large, very very noisy crowded room and the person who picked up doesn't say one word. I keep yelling over the noise for the person to go somewhere quiet so I can hear and again, not one word is spoken. 
XX/XX/22 - I call 3x, spend 40 minutes with a rep who says he fought it out with his supervisor and I will get the cash balance restored to my account and a confirmation email by the end of the day. 
XX/XX/22 - no confirmation email, cash balance not restored, I attempts to close my account and they are prohibiting me from doing so and I am filing appropriate federal and state XX/XX/22 - I am now on the phone for 83 minutes and 22 seconds as I write this. Just to close my account. Paypal is trying to force me to link a bank account which is against the law as well as against the Paypal contract and agreement. 34 times now with two reps I have tried to get a paper check sent to me which is a viable option that they offer. When I go to do that, it says there's a problem with my address. There is not. It is the same address I've had with my account for years and used to buy/sell without issue. This is deliberate to frustrate me into giving them my financial information.
Product: Debt collection

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

The law offices of mitchell d. bluhm & associates collections - XX/XX/18 - {$200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX XXXX  Shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as XX/XX/XXXX Account XXXX ( Original Limit {$500.00} ) Pay history Different across all 3 bureaus. Remove for inaccuracies. 

XXXX shows 150 days late as of XX/XX/XXXX XXXX  shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

BETWEEN XX/XX/XXXX and XX/XX/year> i have 6 hard inquires or credit inquiry from the following companys, XXXX ) XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX ) XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All those hard inquires I didn't authorize it
Product: Credit card or prepaid card

My husband and I lost our jobs last year and have been unable to keep up with our payments, and I contacted all of our creditors to explain and ask for relief. My husband 's total income for the job he started in XXXX and was let go from in XXXX was around {$5500.00}. We are two months behind on our rent and barely keeping up with other bills. All of our other creditors have been working with us and not harassing us except for Kohl 's. I have called several times to explain our situation and have been verbally told to not make the XXXX payment and just wait to make the following one. Then I was told not to worry about the XXXX payment, just wait and make the next payment in XXXX. Even though the payment plans have been set up, I am still receiving ro-bo calls multiple times a day an leave messages. When I call AGAIN, they apologize and promise AGAIN that I will not get anymore calls but I do!!! I'm doing the best I can, but I am XXXX with XXXX , my husband was medically XXXX from the XXXX XXXX in 1985 and is 60 % XXXX. He receives $ XXXX/mo XXXX from the government, but I receive nothing because I did not pay into Social Security for the past 10 years, since I can't even work!! Can these harassing calls please be stopped as soon as possible. Once my husband begins his hob later this week, we should be able to catch up in a month or so. If you have any questions or need more information, pplease feel free to call me at XXXX.
Product: Checking or savings account

I deposited a check from my former employer XX/XX/year> through the ATM located at XXXX XXXX XXXX XXXX XXXX. I received notification that the funds would be " available XX/XX/year>. I then received another notification the funds would be available. I have made several call since Monday XX/XX/year> to receive the correct information on the available funds. I continued to receive transferring to various suspected fraud persons and or departments asking for my ATM PIN XX/XX/XXXX. I discontinued each call after each request for my ATM PIN. I did not receive help from XXXX who when transferred to, began reciting a scripted reply and did not want to hear the reason for my call but assumed I was calling regarding the " Shutdown '' of XXXX and various other entities. My employers heard me begging to be heard by XXXX as that was not the reason for my call. My issue was long before the " Shutdown. '' I decided to come in the Bank. In doing so I met with XXXX XXXX who showed me his computer which had a XXXX date of expired for the hold on said check from former employer. However, XXXX XXXX told me to, " Check before the XXXX as the funds might be there before the XXXX as I made a call to our back office but funds would definitely be available XX/XX/XXXX at XXXX. XXXX has come and gone, I have spoken again to XXXX XXXX and he stated, XXXX. XXXX has come and gone. The funds have not been available. I told XXXX XXXX could I receive accurate information as I feel I am being purposely misled. H did not dispute or refute my statement. It has become apparent that I may be targeted by The Bank of America due to reviews posted of previous experiences and would like a complaint to be taken and addressed without bias and or prejudice. To date and time the funds on my deposit have NOT been made available in any portion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I read an alert from my bank, XXXX XXXX Bank, that XXXX XXXX Bank reported my credit card account as " Charged Off. '' Per the alert from my bank, dated XX/XX/2018, XXXX XXXX XXXX  reported the account as Charged Off on XX/XX/2018. I called XXXX XXXX XXXX  at XXXX and spoke to a representative who said her name was " XXXX at extension XXXX. '' XXXX said that the account would have been reported as charged off due to late payments. However, after she reviewed the account, she confirmed I have not had any late payments. XXXX asked to review the account again and consult with a supervisor. After, she said the account was reported as Charged Off because a payment was returned resulting in the account being closed. She said XXXX XXXX Bank reports accounts as Charged Off when they are closed due to returned payments even if payments are made on time before and after the returned payment. I asked to speak with a supervisor who introduced herself as XXXX. XXXX confirmed what XXXX told me and said, put me on hold to consult with the " Concern Dept. '' and returned to the call to tell me there was nothing anyone could do to help me. I asked XXXX when XXXX XXXX Bank charges off accounts, and she said when they are 180 days late. I asked her if my account has been late, and she said no. I asked her how XXXX XXXX Bank can legally report my account as charged off if my account does not meet the criteria, and XXXX said there are other reasons that accounts can be legally charged off which includes the reason why XXXX XXXX Bank charged off the account. XXXX transferred me to her manager. The manager said that his name was XXXX. XXXX barely listened to the issue but did confirm that the account was charged off and reported as such because a payment was returned resulting in the account being closed. XXXX said that XXXX XXXX Bank followed federal laws when they charged off and reported the account as such to the credit bureaus.
Product: Credit card or prepaid card

I mistakenly made a double payment of {$3000.00} to Capital One on XX/XX/19. Called Capital One on XX/XX/19 to verify the double payment and asked for a refund. 
After a long a difficult conversation with Capital One representatives I was informed that a refund or credit would processed in 7 to ten days. On XX/XX/19 I called again to ask where the refund was. Talked to representative XXXX ( ID # XXXX ) and was informed that the Capital One representatives from XX/XX/19 made a mistake and that no action for a refund was processed on XX/XX/19. Was informed by XXXX that it is possible that an additional 6 weeks would be required before a refund could be processed. 
Capital One has been unresponsive in any efforts to resolve this situation.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I signed up with Brigit for an {$80.00} wage advance. This was discharged in Bankruptcy in XXXX. I sent them a letter advising the same to the mailing address listed on their website. The letter was returned as undeliverable. Since XXXX, Brigit is debiting {$9.00} a month as a " Membership Fee '' from my checking account. I attempted numerous times to cancel this as the account was discharged in XXXX. They are impossible to deal with unless it is debiting money from the checking account without permission. I will also be filing a complaint with my bank.
Product: Mortgage

my original home equity line of credit was owned by XXXX  XXXX  XXXX who then sold it to specialized loan servicing all payments after XX/XX/XXXX were to go to sls on XX/XX/XXXX i made my payment to XXXX  XXXX XXXX, sls is saying it was never received however i have all my confirmation numbers and dates of payments, since then i have made 2 payments to sls and they said that it covers XXXX which was already paid and XXXX, the payments made where for XXXX and XXXX i have tried to have this corrected numerous time through sls to no avail.
Product: Checking or savings account

I have had a savings account with XXXX XXXX since XXXX or XXXX where I received interest increases or decreases, at the going market rate, automatically. This practice has continued up until now, but the rate I am receiving is below the market rate. In XXXX, I was receiving .5 % a month. In XXXX it was decreased to .3 %, far below XXXX XXXX offered rate of 3.30 %. I called their customer service department to question this and was told that my account was an " old product '' and we would have to move the money into the new product in which the market rate was offered. 
I asked why they would lower the rate to fit the market conditions when they went down with the " old product '', but they wouldn't raise them. They had no real answer for that. 
I asked if they had sent me any information regarding this and, the said they didn't. 
To me, this is very deceptive practices and a breach of trust on XXXXXXXX XXXX part by forcing me to move my money into other of their products to gain the market rate. If they were able to it prior to the current rate, they should be able to do it now without establishing a new account. All they are doing is making money off of my account because of the low yield rate. How many other individuals are in this position and don't know it. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

here is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Equifax is inaccurately reporting several mortgage accounts on my credit report as " included in a bankruptcy. '' I have made several attempts via letters ( XX/XX/XXXX through XX/XX/XXXX ) and online disputes that these accounts were not part of any bankruptcy proceeding ; the properties were sold, and the accounts were fully paid. 

I have provided Equifax with letters from the lenders confirming the accuracy of this information. However, Equifax has failed to : - Conduct proper investigations into my disputes. 
- Remove or correct the inaccurate information. 
- Prevent the reinsertion of inaccuracies into my credit file. 

I am aware of the CFPBs recent enforcement action against Equifax for improper investigations of consumer disputes. The CFPB found that Equifax failed to review documentation provided by consumers, allowed inaccurate information to be reinserted, and used flawed systems for handling disputes. My experience aligns with these findings, and I believe XXXX practices are harming my creditworthiness and violating my rights under the FCRA. 

This issue has negatively impacted my credit score, financial stability, and access to credit. I request that the CFPB investigate Equifax 's practices and ensure they comply with federal regulations. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX service by Comenty Bank, My store card had no activity since XXXX, In XXXX of XXXX a membership fee of XXXX was billed to the account with no authorization from me. I have tried to resolve this issue with XXXX and the bank, but to no avail. My credit score has been reduce XXXX points because of their error. I am ruined.
Product: Debt collection

I have spoken to XXXX XXXX XXXX several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to XXXX XXXX XXXX. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing. 

Since XXXX XXXX XXXX will NOT accept payment as it is discharged, please remove the negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for XXXX XXXX XXXX via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX  pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month TransUnion and XXXX have refused to supply the report. 

This has been the pattern for several years now AND TransUnion and, particularly XXXX contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.
Product: Credit reporting or other personal consumer reports

This response by XXXX XXXX XXXX XXXX indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX XXXX XXXX, or my non-public private information, to be furnished or published by XXXX XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, TransUnion, XXXX, XXXX, and others. 

As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within XXXX business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 


See attachment.
Product: Debt collection

XXXX of XXXX I was made aware of a medical debt that Grant Mercantile was attempting to collect. Upon reaching out to the company I was advised that Grant Mercantile was not licensed in the State of Florida to lawfully collect on the debt.

I soon received correspondence that the account was closed, my credit report was updated and I would not be contacted again regarding the matter. 

XXXX of XXXX Grant Mercantile once again placed a collection on my XXXX credit report. 

I have disputed with XXXX and the results were " the debt is mine ''. 

How can this collection agency unlawfully attempt to collect a debt, issue a satisfaction letter then attempt to collect again 20 months later?
Product: Checking or savings account

Wells Fargo fraudulently charged my account fees and overdraft fees by not posting deposits and not properly managing account. Received letter that I would be reimbursed due to class action lawsuit. Received a check for {$5.00}. This company also applied fraudulent fees and missed payments on car loan that led to repossession.
Product: Debt collection

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to Debt Recovery Solutions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX requesting Debt validation Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by a name I can not make out. Debt validation is my federal right granted under the Fair Debt Collection Practices Act XXXX FDCPA XXXX. Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and Debt recovery solutions has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

Bank of America is violating my rights. I have NOT given them any written consent permission. They did HARD INQUIRIES on XX/XX/XXXX, XX/XX/XXXX on XXXX, XXXX credit profile, lowering my credit score by XXXX points. Without my permissionand there was NO purpose. 

After speaking with Bank of America representative : XXXX XXXX XX/XX/XXXX, she stated " there was NO new application from me asking for credit or services. '' I asked for a copy of my signature on Bank of America application. 
She stated " she could NOT send me a copy of my signature due to Bank of America NOT having a new signature on file. '' The HARD INQUIRIES remains on my profile.

According to : 15 U.S.C 1681a ( 2 ) Permissible Purpose of consumer report. My rights are being violated.

15 U.S.C 1681 Section 604A Section 2 Also states : A consumer reporting agency can not furnish an account without my written instruction.