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

I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. 
XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX  to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. 
I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. 
So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. 
In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. 
Gift Card Scams from PayPal. 
The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. 
XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. 
XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. 
Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On Tranusjon it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On transunion it's showing this account was closed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  with   XXXX   several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX   continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe  XXXX  is trying to re age the debt.
Product: Debt collection

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical. I never received any information about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, PA XXXX Report XXXX Can you please remove addresses off Experian credit file. Fraudulent
Product: Credit card or prepaid card

On XX/XX/2021, I've used The Wells Fargo credit card on a car rental while I travelled to XXXX. The rental company was at the airport, with no prior reservation. I was told a certain price, late-night arriving a long flight and I agreed, my main concern would have been the security deposit, for which this company XXXX Rental CaXXXX asked for XXXX Euro deposit. I've picked up the car, SIGN THE RENTAL CONTRACT and give my Wells Fargo credit card. 
XXXX days after, I've checked my statement online, my card was charged a huge amount ( {$4100.00} ), so I've called the rental office and I was told that was a misunderstanding between us, the amount told was referring actually/month, I needed the car for XXXX days. When I ask the price for XXXX days, the rental agent/owner told me XXXXEuro with XXXXeuro deposit. He agreed to take the car back. 
Dropping off the car on XX/XX/2021, I was very nervous because that can not ever happen when I request a quote, and I was told that my credit card would be credited the rest of unused days = XXXX days. He said that I will receive an email with my bill. 
As of today, that car rental never returned a penny, I disputed XXXX with Wells Fargo and both times I was denied. Spoke to the executive dept, the same answer. Last week I've closed the account with them, there is no way for me to pay that amount for XXXX days of rental, XXXX closed the XXXX claims while I was abroad they would send everything thru the mail, by the time I could talk to someone in regard to my claim, my claim would be closed because of certain days limit. I've tried very hard to talk to Wells Fargo/many times they don't care and want to keep me responsible for something that I have not used. The rental agency rented the car under my eyes to another person because it was a busy time of the year. 
I don t know what to do to resolve this dispute and no have my credit affected. 
I feel that I am a victim of that car rental and Wells Fargo, never gave me the chance to appeal, keeping me responsible for a huge amount that I can not pay it. I had to rent another car while I was there because I need it, I have proof of that. The only reason I've returned the car was the fact that I was lied about the cost and overcharged. While I was in XXXX I did fill a police report and consumer report to help me out, when I sent it to Wells Fargo they ignore it because was in a foreign language!! I am including in my docs THE XXXX REVIEW answer from the rental company to my complaint. I need help on resolving this dispute, I feel really a victim in using a credit card abroad with no help from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX # XXXX {$10000.00} fraudulant charges i asked XXXX, XXXX, transunion to verify accuracy of this account and i was told it was accurate which is not correct. 

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.
Product: Debt collection

This collection is the result of identity theft per FCRA subsection 605b 15 usc 1681c2 please block this collection Portfolio recovery acc # XXXX Amount {$5100.00}
Product: Money transfer, virtual currency, or money service

Coinbase XXXX XXXX XXXX Sent a deposit of USD XXXX via wire transfer 7 days ago on XXXX XX/XX/year>. I have done similar deposits more than 10 times this year and the deposits usually reflect within 5 minutes in my Coinbase account.

This time round, it never happened. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told not to worry and my funds are safe and it will appear within 3 business days.

After 3 business days, deposit still not showing. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told that a specialist will contact me within 24 hours to update me on the status of my deposit. Told me not to worry and my funds are safe. 

After 24 hours, deposit still not showing. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told that they need more time to locate my funds. Told me not to worry and my funds are safe. Also said that they do not have an exact time when their specialist will contact me for now.

Spoke to my bank, money has already left my bank account within minutes on XXXX XXXX when I did the transfer. 

I requested to submit a ticket to refund the deposit back to my bank account. However, the virtual assistant told me that it is not possible to do that because we have an existing ticket on this exact issue.

I am not sure what is going on and this delay is having a lot of impact on my cashflow. Seems like Coinbase is having liquidity issue right now.

I am facing a lot stress now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX {$0.00} Account # XXXX Open Date XX/XX/XXXXXXXX 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  These negative items are affecting my credit report badly and is hindering me from exploring future credit opportunities. Please delete or remove these items on my behalf. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Vehicle loan or lease

Ford Motor Credit company on XX/XX/XXXX agreed to release the lien on my XXXX XXXX XXXX title electronically to the NYS DMV, once I title it in NY. The vehicle is titled in NC a title holding state held by Ford, which I need to transfer the title to NY.
Product: Checking or savings account

I want to request assistance and file a complaint against USAA federal Savings Bank for refusing to close my accounts with the Bank. Since XXXX, I have been trying to close my USAA and bank account and been running into a number of issues. Every time my bank accounts with USAA have been closed, a few months later, they are reopened by a fraudster in violation of bank rules and regulations. 

In XXXX and XXXX, I called USAA many times and expressed my desire to terminate my business relationship with them and close my bank account. Each time, they stonewalled me and tried to talk me out of it. I had to file a complaint with the Consumer Financial Protection Bureau against USAA for refusing to close my bank accounts, Reference number XXXX. Finally on XX/XX/XXXX, I sent a certified letter to USAA by XXXX ( tracking # XXXX ) requesting that all my accounts be closed. On XX/XX/XXXX, I followed up by calling USAA about closing my USAA membership # XXXX and bank accounts. USAA finally agreed to close my accounts. After my accounts were closed, they sent me XXXX bank checks ( XXXX check for over {$2000.00} and another check about {$1000.00} ) which I deposited into my XXXX XXXX checking account o/a XX/XX/XXXX. I XXXX have about {$4000.00} missing from my checking account with XXXX XXXX. 

A few months later, I noticed that the USAA checks were mysteriously missing from my checking account with XXXX XXXX. I quickly reported the matter to the XXXX XXXX XXXX in XXXX GA which they investigated. Prior to being missing, the checks were processed, cleared, and the money deposited into my checking account. In about 10 days, XXXX XXXX was able to locate the checks within its system and sent a copy of the checks to my email. Again after a few months, the USAA checks mysteriously disappeared again from both my checking and email account. They have not reappeared since then and the bank personnel are uninterested in helping me find those XXXX checks from USAA. Their responses are : we dont know where the checks are or We cant find them. 

In the meantime, USAA is sending me bank detailed information as if I have an unauthorized bank account with them. Im afraid to call USAA but Im concerned that my bank account with USAA has been illegally reopened by a fraudster with the missing money in it. This is a violation of trust and banking regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights reserved.
Product: Money transfer, virtual currency, or money service

Im currently writing this to say my personal opinion and experience regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the company. Despite using Zelle multiple times and having to keep discrepancies, my financial institution and Zelle has failed to try and make a change to help me with my claims adequately. They then told me that I wasnt entitled to get a refund of the lost funds and that these transactions was infeasible. The CFPBs findings indicate that Zelle has not only been neglected to even try to protect consumers but has also allowed repeat offenders to exploit the financial system, which creates scams. The lack of accountability and transparency is very unacceptable and raises serious concerns about a consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX # XXXX XXXX  # XXXX
Product: Credit card or prepaid card

I have had significant difficulty reaching and interacting with a Bank of America associate, XXXX XXXX, who was assigned to me pursuant to CFPB case # XXXX. XXXX XXXX and I spoke once, on or around XX/XX/2022, but then not again for the subsequent several months. I have left him several messages, and have had one message returned on XX/XX/2022. I believe XXXX XXXX is not completely aware of the extensive range of difficulties I am encountering and therefore may not be in the best position to assist further in this matter. 

I was very optimistic that XXXX XXXX would provide such assistance, but as mentioned, I have but unable to directly interact with him to advise him on my ( lack of ) progress and detail where help is needed. 

Most specifically, I have a new fraud claim and/or disputes open on several transactions, after obtaining the forged sales slips and comparing them to my own signature as it has appeared on any number of legal documents. I have been unable to obtain an update on these claims for several weeks now, despite the fact that my submitted evidence is incontrovertible and should be resolved in my favor immediately. As I have mentioned to XXXX XXXX in several messages, the evidence I have submitted should also have the effect of validating the prior disputes on transactions in the same date range as the ones for which BofA now has sales slips for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These date I tried to get the original contract, but they ca n't provide anything.