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

On XX/XX/2023 I received money from friends and family via PayPal, hours later I received a message saying that my account was limited and I need to submit a picture of my ID, proof of delivery for transactions that werent for any goods and service but instead money sent to me from family and friends. I uploaded a picture on my ID which matches the name on the account and also contacted customer service on that same day. I asked customer service why was my account temporarily limited and he checked the account and told me it looked like that was a mistake from their system as I didnt have to provide proof delivery for money sent to me from friends and family. He also told me he was submitting a ticket to get a manager involved and go over the account. The agent advised me to give it XXXX hours for a resolution and to expect the resolution via email. The next morning XX/XX/2023 I woke up to an email stating that PayPal was permanently limiting my account and would hold my money ( {$260.00} ) for a period of six months. I then contacted customer service again, and again I asked what was the reason behind their decision but she told me she wasnt sure why, I explained to her that my friends and I do get togethers at least once and month and every time we do that I collect the money to purchase the food, utensils and anything else needed for our activities, because Im XXXX XXXX XXXX  mom I have more time to help with getting everything together for our fun moms time. That agent asked me if I was receiving money from overseas to which I replied I wasnt since my friends live within the XXXX. She told me she would put in another ticket to request a higher up to take a look into my account. Im still waiting for a resolution which at this point I will no longer be using PayPal since the way they do business is totally damaging for people, holding my money for XXXX months without an specific reason its a violation. Because of this hold I had to put money out of my bank to cover the food and items needed for the get together and now Im left with no money to cover my rent. Its a violation for this institution to hold money for XXXX months without providing a solid reason as to why, none of the customer service agents I have spoke to knew why was my account permanently limited. 
I would like to have access to my money as soon as possible since they arent given me an explanation as to why they want to hold money for XXXX months
Product: Debt collection

To whom this may concern, After checking my credit report I found a error of a medical bill collection, after discovering Hippa Law was being violated I had to write for help, I contact the collection agency and they send me a letter of verification but it was a letter of the procedures I had done the letter clearly stated they type of XXXX I had and how much it cost that is clearly a violation plus the original creditor is XXXX XXXX XXXX they was suppose to abbreviate XXXX  so they released too much of my medical information doing so, so may I please get help with this
Product: Student loan

I had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

I filed numerous disputes and complaints against experian requesting verification of the information that is on my credit file in absence of that i requested them to cease and desist furnishing my info on my credit report without my consent this is a violation of consumer law 15 usc 1681b permissible purposes
Product: Debt collection

Received credit alert that collection account has been placed on my credit file. There was no communication or information provided to validate the debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Debt collection

Ive have been trying to dispute this debt collection thats been on my credit report for 8 years now through Safco. The amount trying to be collected is much higher then what they are asking. I have spoken to them to delete it off my report because the age of the debt is past 7 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX XXXX I was sent a phishing scam that allowed access to my coinbase account. Although I acted quickly to disable my account, approximately {$170000.00} worth of digital currency was converted to XXXX and sent to a wallet without any in house measures by coinbase to stop or cease the transaction. I tried calling them, filed a complaint, but they have no live agents, or automated methods to help me, and have not contacted me in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Equifax was reporting of a inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to this inquiry. If Equifax has made an extensive investigation about this, they should have removed all this inquiry. However, they have not their duties of either confirming the item and/or reaching out to me to notify. Here is the list of the unauthorized inquiry : XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX XXXX, an unauthorized transaction of {$190.00} to buy Etherium ( ETH ) from my bank checking account that I never use to buy Crypto from. That transaction did not leave my account but it was added to my account.

So I called Coinbase customer service, and a lady with heavy accent decided to luck my account for 3 days that I myself will not be able to login my account. I repeatedly told her that is the wrong approach since there is not fund has left my account, but she didn't listen at all and my account at coinbase is frozen for 3 days along with my transactions and my fund
Product: Credit reporting or other personal consumer reports

The dispute includes the following inaccuracies which were not properly and reviewed by Experian. 
Disputed Inaccuracies : XXXX. Inconsistent Status Updates : The account shows charged off monthly from XX/XX/XXXX to XX/XX/XXXX, despite being listed as updated in XX/XX/XXXX. If the account was charged off in XXXX, further monthly charge-off updates are inaccurate and misleading. 
XXXX. Incorrect Balance and Past Due Amount : The account is reported with a balance of {$8700.00} past due as of XX/XX/XXXX, despite being charged off. This suggests the ongoing accrual of balances or fees post-charge-off, which should be itemized and clarified. 
XXXX. Payment History Inconsistencies : Payment history data is incomplete or contradictory, showing no data ( ND ) for certain periods ( e.g., XX/XX/XXXX ) while overlapping with the charge-off designation in other months. 
XXXX. Misleading Removal Date : The account is listed to remain on my credit report until XX/XX/XXXX, but the exact date of the initial charge-off is unclear. If the charge-off occurred in XXXX, the account should not continue updating as charged off beyond that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX XXXXXXXX Balance : {$27000.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX, XXXX
Product: Debt collection

Never had XXXX always live at home. they can validate this debt. its removed before reinserted. never had contract with this company.
Product: Mortgage

On XX/XX/2016 my mortgage payment went up after been on a loan modification payment plan for five years. Unfortunately, my payment went up and I completely forgot that it was supposed to go up that year. I do understand that I should have been on top of that but honestly, I forgot. I did send my monthly payment on time, but it was short. So, I received a phone call from Statebridge saying that I was late. I couldnt understand because I sent the payment on time. The lady explained that because the payment was short the money was placed into an account named unapplied funding. The lady said that they sent me a letter stating that my mortgage payment went up which is not correct. They either did not send that letter or they did, and I never received it. To make the history short, it took me 4 months before I was able to speak with a manager. They did not want to cooperate at all, so I filled a complaint to the Federal Consumer Agency, I did it again and again. I think total of 3 or 4 times and Statebrige at the end found the money and call me to apologize and said that I was right, that I did send my monthly payments that the money was in an unapplied funding account. The problem is that because they placed that money there in XXXX, for 6-7 consecutives months they reported to the bureau of credit that I  was late because the payment I was sending the used to pay the prior month since there were 1 month missing. 
In this package I am sending all communication ( e-mails, phone call records, complains file to different agencies, e-mail to XXXX XXXX XXXX, banks statements, etc. ) that I had with Statebridge and other agencies. I just want Statebridge to fix what they did wrong. I know the first payment was short, but you will see in this package that I took the necessary steps to try to fix this and statebridge did not cooperate and the manager and supervisor were the worse specially XXXX XXXX ( Dont know if I am spelling his name right, I apologize ) he was rude and very unprofessional. Please help me to fix my credit report. It is completely unfair what statebridge did to me. If the first month has to be there like I was late because I was short on the payment, I will understand because It was my fault, I forgot that my mortgage payment was supposed to go up, but the rest of the payments that were reported as late, they were never late. Statebridge misplaced one-month mortgage payment, making me late for the following 6 months.

I really appreciate if this issue get fix for once and for all. I need Statebridge to take responsibility for what they did and report the right thing to the bureau of credit, so my credit report doesnt keep showing that I was late for 6 months because I wasnt. If you have any question or if there is  anything, I can do to get this matter resolved, please do not hesitate to contact me. I am sending all records such as bank statement, phone call, emails, etc. by mail. I have already sold the property but still need to get my credit report fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). My identity was compromised in a data breach, and the accounts and items listed below were fraudulently opened or reported without my authorization. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and transunion has taken more than 30 day for my dispute a violation of the cra sent police report
Product: Credit reporting or other personal consumer reports

Hi, this is really worrying as there seems to be errors on your end as information that is not associated with me keeps appearing on my credit report. This is causing me undue stress and anxiety on how could this happen
Product: Student loan

I graduated in XXXX of XXXX. I make XXXX a year as a XXXX XXXX. I was initially on an IDR plan that worked really well. Without notice, I received a bill for a standard repayment plan. I was then put on forbearance by calling. Since XXXX, I have attempted to put my account back in forbearance as you still can not pay on an IDR plan because the standard payment amounts will put me into homelessness. I finally was able to get through to an " advanced representative '' on XX/XX/XXXX despite waiting 10+ hours and being hung up on. She stated that I would be put into forbearance and that my account would be put in good standing. However, 10 days later, my account looks the exact same with another upcoming payment due on XXXX.
Product: Checking or savings account

hello from XX/XX/2020 to XX/XX/2020 I tried transferring two transactions from your Bank of America checking account to my XXXX XXXX account they were both checking accounts the first transaction was to score over {$6000.00} and that one didn't go through because I didn't have no funds from my Bank of America checking account so XXXX XXXX did not allow that transaction a few minutes after that I was trying to transfer {$3000.00} from my Bank of America checking account to my XXXX XXXX checking account directly from my XXXX XXXX ACH withdrawal system in which I registered my Bank of America checking account and verified it with the two and they showed deposit transactions of under a dollar. spoke to XXXX today on XX/XX/2020 and they told me that my bank account had been closed due to business purposesaccount and I don't see the money because XXXX XXXX close my account and I don't have access to view that money that has transferred so to be honest with you consumer finance bureau I do not know where the money is I was just wondering if you can help me from your end to ask Bank of America and XXXX XXXX to see where my {$3000.00} is because I don't see it in either my Bank of America checking account and my XXXX XXXX checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.

however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I purchased concert tickets from someone ( seller ) on XX/XX/XXXX based on the recommendation of a very trusted friend. The seller requested that I pay via Zelle, I did and the seller did not produce the tickets. On XX/XX/XXXX I requested a refund from the seller, he stated that he issued it back to me through Zelle which he did not. He said it was pending. I also made a payment request through Zelle for the {$900.00} he owes me. On XX/XX/XXXX I reached out to him again to let him know I still haven't received my money. He did not answer me. On XX/XX/XXXX I reached out to him again and he did not respond again. 
This is clearly a scam so I have done the following : Collected and printed all of the texts and communications with the seller Obtained a police report Called XXXX ( XXXX on XX/XX/XXXX and XX/XX/XXXX Messaged XXXX  through Mobile App on XXXX Called Zelle ( XXXX ) XXXX Filed two Scam reports with Zelle on XX/XX/XXXX Emailed Zelle customer support on XXXX Messaged Zelle on XXXX on XXXX I have received absolutely no help from Zelle. Their page says if you need immediate support to call them. They offer 3 different prompts, none of them leading to speaking with a representative. Their site also says to file a claim. I filled out all of the necessary information and still have not heard back from Zelle. I also sent a general message through their customer service link, and still no response. I was able to message them on their XXXX page as well and no one has answered me. They offer the support phone number and links. I tried them all, but have not heard from anyone. Why do they offer these things when they dont plan on answering their customers? 


I am desperately trying to get my {$900.00} back. With no help from Zelle, this scammer has been able to keep my money. It may not be a large amount, but it is to me. 

I have all the texts showing my communication with the seller. I tried attaching the documents but it said the page was temporarily down.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.