23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts CONSERVE
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX I TRIED TO GET THIS SITUATION HANDLE BUT THERE WERE NO AGREE DUE TO WRONG INFORMATION AND NO ORIGINAL DOCUMENTS. I WOULD LIKE FOR THIS ITEM TO BE REMOVED ASAP.

15 U.S. CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to such dept.
Product: Money transfer, virtual currency, or money service

There is a clear bug in PayPal 's processing of some transactions. The company does not take any responsibility. Customer service is powered by Artificial Intelligence and obviously unhelpful. The agent ( if this was a real agent ) provided information that I was not presented while confirming the payment within PayPal. PayPal suddenly chose my bank account as payment source without my approval. PayPal did nothing to fix the situation, even after I asked for a manager to review. 

As I was making a purchase, I selected PayPal, logged in, and selected the card ending in XXXX as the method of payment. The attached screenshot shows that clearly. 

However, PayPal charged one of my checking account instead of the selected card. I was only informed of this in the email confirmation, after the transaction was processed. 

I immediately informed PayPal customer service. I was told this transaction was an Instant Transfer and this type of transaction is always charged to bank account. 
Important note : I was never informed this would be an Instant Transfer. The attached screenshot does not show this anywhere, and in fact PayPal 's popup clearly allowed me to select the card I wanted to use to pay for the transaction. 

This was a service purchase for a VPN service, not a money transfer. I could have paid the service with a credit card directly, so it's not that the merchant only allows bank transfers. 

This is clearly a PayPal error in identifying what type of transaction will be processed, and where the funds will come from. 

Also, please note that I never authorized PayPal to debit my bank account. I have never used this bank account for payments inside PayPal, I only use it to receive funds. The bank account was not prepared to receive this debit, and even though the debit by PayPal might succeed, it will prevent other debits I have scheduled to happen, causing me financial loss and stress. 

I never authorized PayPal to debit the bank account. I was never informed by PayPal that this would be an Instant Transfer. I never authorized this transaction to charge my bank account. I never selected this bank account as a payment source for any transaction within PayPal.
Product: Debt collection

Zwicker and Associates has called me over 20 times and starts out with a recording stating this is an attempt to collect a debt. They proceed to notify me the phone call is being taped. To my knowledge I do not owe any debt to anyone and pay all my bills on time. I am very careful with sharing personal information and have been the victim of fraud and phishing in the past. When I hold to speak with a person, I inform Zwicker that I do not consent to any phone call being taped. Especially from someone I don't know. I also inform Zwicker that I am not aware of any debt in my name that is under collection. Zwicker then informs me they can not proceed with the conversation unless it is taped. I ask them to either please call me on an unrecorded line or send a certified letter explaigning the debt, since I am not aware of any debt or collection in my name. Zwicker then tells me they are unable to do this and the conversation ends until they call me back. This has gone on for over 20 phone calls. Today I explained to Zwicker the phone calls have become harrassing and they are breaking the law. Zwicker takes the position that if I do not engage them on a taped call they have the authority to gain a judgment against me but they refuse to call on an unrecorded line or send me a certified letter describing the debt they are calling me about. They tell me the phone calls are not harassing and we get into a tit for tat. Then there is a hang up and an hour later they call me back. They are baiting me into a conversation and refusing to tell my about they debt they are calling about. They are very aggressive in tone. Honestly, the first time I requested a certified letter detailing the so called debt, the phone calls should stop. Or call me on an unrecorded line and I would be willing to discuss because I am unaware of any debt collection in my name. I told Zwicker I would file a complaint with CFPB, and they just laugh and say they are not harassing me. Then they call me back an hour later and start the cycle again. This is harassment and must stop!
Product: Credit card

Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX  on XXXX XXXX and XXXX XXXX under the account XXXX, XXXXXXXX XXXX account XXXX open XXXX, XXXX, account opened at XXXX XXXX XXXXXXXX on XXXX XXXX under the account number ( unknown ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number XXXX open XXXX XXXX, account opened at XXXX XXXX on XXXX XXXX and XXXX XXXX under the account XXXX, XXXXXXXX XXXX account XXXX open XXXX, XXXX, account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( unknown ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I applied for a credit card XX/XX/year> and was denied based on insufficient credit history. I wrote the company XX/XX/year> and requested additional information. I pointed out that my credit report showed more items on my history than appeared on my husband 's report yet his application for a credit card was approved. I have not received a response from the company.
Product: Credit reporting or other personal consumer reports

Regional Acceptance submitted an Account # as a1099-C on XX/XX/2021. However, they are listing it on my consumer report as " Written off, '' which contradicts its classification. This constitutes furnishing inaccurate information, a violation of 15 U.S.C. 1681 Section 2. Additionally, it can not be categorized as both a charge-off and a collection simultaneously. The IRS designates this as income, not to be reported. Regional Acceptance 's inaccurate reporting raises concerns about the authenticity of the entire account and breaches the FCRA by reporting income on credit reports.
Product: Money transfer, virtual currency, or money service

Cash App stole my money from my account. It was hacked and they are not returning
Product: Debt collection

Remove the fraudulent info or face legal action! I won't wait delete the fraudulent account immediately. No more delays fix it now, or my attorney will sue you in 30 days. Take this seriously and act immediately to avoid consequences. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please remove.
Product: Mortgage

My current mortgage company is XXXX. 
I went in to a forbearance plan about a year or ago because of XXXX related issues. My income became stable recently and I was able to resume payments so I applied for a modification, because I didnt have enough savings built up to cover payments I was behind. Ultimately I was denied for modification even though I qualified under their list of qualifications. But thats not where the problem began. 
I had a good amount of equity in my home so I applied for a Heloc loan. I was approved and my loan closed XX/XX/2025 funds wired same day. XXXX is where it gets interesting. XXXX claims there wasnt enough money sent to cover the amount I was behind on my mortgage : Even though I have a final closing statement along with proof of wire transfers totaling {$57000.00} But XXXX  has only applied {$39000.00} to my account. My online account still shows a negative escrow balance of - {$3800.00} but In reality there should be a surplus of over {$10000.00}. I have been calling and trying to explain for to 2 weeks. 
They have created several ticket numbers But of no use. I have been transferred to multiple departments from escrow to collections and also to their own Heloc department. Which by the way was the only department to admit they see the wire transfer of {$57000.00} total. 
I am following g this complaint to get other eyes on the problem.
Product: Credit card or prepaid card

XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. 

{$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. 

XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help.

1
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, 1st franklin financial 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 first franklin financial XX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Closed Account Dear CFPB, I hope this letter finds you well. I am writing to express my deep concern regarding a closed account that is inaccurately reporting negative payment history on my credit report. The details of the account are as follows : - Creditor Name : XXXX XXXX Account Number : XXXX - Date Closed : XXXX XXXX  Despite the fact that this account is closed and I owe no past due payments, it continues to reflect negative payment history, which has been incredibly distressing for me. This ongoing issue has caused significant hardship and has limited my financial opportunities, affecting my ability to secure loans and credit that are crucial for my well-being. 

I believe this situation may be in violation of the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of accurate reporting. I respectfully request that this account be either completely removed from my credit report or that the negative payment history be corrected to accurately reflect my payment behavior. 

As a consumer, it is disheartening to face obstacles due to information that does not represent my financial responsibility. I am reaching out in the hope that you can assist me in rectifying this issue, as it has a profound impact on my life. 

Thank you for taking the time to read my letter. I genuinely appreciate your attention to this matter and any help you can provide in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  I was approved for a XXXX XXXX credit card with a credit limit of XXXX I attempted to buy some shoes but they didn't have my size in stock so they told me that they can order it for me and then a purchase was made of XXXX plus XXXX in sales tax. I waited a long time and i still hadn't received my shoes, so i went to the store where i made the order and i told them to cancel it and i thought all was well at that point BUT several months later i started getting calls from a collection agency calling on XXXX   behalf saying that i had a pending balance of XXXX dollars or so and i explained to them that i cancel the order and they agreed that it was a mistake and they would fix it But after the new year past and it was XX/XX/XXXX now i would receive a call from them again saying that i owe XXXX dollars and i again told them the situation and they agreed to fix it again. I believed the problem had been resolved. But to my surprise as i stated to learn about checking my credit and i see that this mark still appears on my credit report and it has been damaging my credit substantially for almost two years and i contacted city bank but they refuse to be of any help i ask them to send me the info about my cancel purchase and they said they couldn't do it, they said they don't have the authority to do it and i ask them to get me someone who could and they were still of no help. So now i have to take matters into my own hands since they aren't being of any use
Product: Bank account or service

I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.
Product: Credit reporting or other personal consumer reports

I closed my Plus Finance /Ally Bank account two months ago, and they are still showing it as open on my credit report with a last reporting date of XX/XX/XXXX. I want this account to show as closed, paid in full.
Product: Debt collection

I have been trying to repair my credit. I have contacted this company for months, several times per week, at different times per day. I have left multiple voicemails on what sounds like an extremely unprofessional, unverifiable collection agency. I just want this removed from my credit report as I am trying to repair my credit and purchase a vehicle. I do not want to go through this agency to repay this debt as Im concerned by their negligence to help me solidify this debt.
Product: Debt collection

I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.
Product: Debt collection

I had XXXXXXXX XXXX XXXX XXXX  and paid in full up front. After the insurance paid there part i was issued a refund for over payment. The beginning of this year i XXXX XXXX XXXXXXXX from the same doctors. I again paid up front and was issued a refund for overpayment. On XXXX of this year a collection was placed on my credit report from XXXX, by a collection agency. When i first called the agency they refused to give me any other information other then the original debtor and price, as well as a collection fee being added. They could not verify the debt and said they mailed letters to old addresses that i have not lived at for over 20 years, not the address provided at time of XXXX. When i called the doctors office that did the XXXX they said they merged with XXXX XXXX  and had no recordsof me owing anything or any records of any debt being turned over to debt collection.Suburban credit corp id the debt Collector and XXXX XXXX XXXX is the doctor who XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. XXXX. Account Name : USDOEXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 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.