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

On XX/XX/XXXX I proceed a transaction from my client for a job on my CLOVER account, on XX/XX/XXXX they took the transaction fee out of my account and never transferred the money.On XX/XX/XXXX I had to call to see why my transaction wasn't in my account, come to find out security is holding a review on it, they didnt send an email or an alert ( which is very unprofessional saying that the fund is in review ) ( also they never sent me back the transaction fee since the transaction wasn't made ) I asked to speak to a person in risk department and they tell me the only way to talk to them is via email and they would have to be the one to send it, also that a reply wont be back till 24-48hrs. Now it took a while 2 weeks for a XXXX XXXX only to tell me that I have to wait and that the transaction will be sent to the account the next day. Well guess what? Nothing came in and I called back again and I had to wait a whole two weeks to talk to the same LIAR called XXXX XXXX. XX/XX/XXXX ( a whole month after ) I get on the appointment with XXXX and he tells me that I should issues a refund to the client and that my account will be closed, needless to say this LIAR lied again. He told me that I can issue the refund on XX/XX/XXXX and it will be sent to the client.On XX/XX/XXXX I called the clover company ( by the way, they dont have any good communication, and they dont care about your problems to find a solution for it, theyll give you the run around till you are frustrated ) and they tell me that the refund will have to go thru security risk which might take another two weeks, but yet XXXX XXXX XXXX told me the refund will be sent to my client by XX/XX/XXXX. When I talked to my client he informed me that he hasn't gotten anything. I called CLOVER again and had to schedule an appointment with the same XXXX on XX/XX/XXXX. On XX/XX/XXXX I talk to him and he tells me that he is just now putting in the request for the refund to be released ( mind you he was suppose to do that since XX/XX/XXXX, I also requested to speak with a supervisor to which he told me none was available ( how convenient for him that one isn't available for me to report him ). on XX/XX/XXXX I called CLOVER again to which the told me someone would call me within 24-48hrs, today is XX/XX/XXXX and I have had it with all the lies and run around. this is a round for the amount of {$10000.00}
Product: Debt collection

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws.

Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRCLYSBANKDE XX/XX/2019
Product: Debt collection

I received a threatening letter communicating to me that Moss Law Firm, a debt collector was attempting to serve me with papers for a lawsuit regarding a debt allegedly owed to XXXX XXXXXXXX. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After receiving the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from XXXX XXXX card services that has been charged off as bad debt, but I never received a 1099 from XXXX XXXX showing the debt was discharged. Not only did XXXX XXXX not send a 1099, they are attempting to collect twice by charging off the alleged debt and not reporting it and by suing in civil court. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that XXXX XXXX and Moss Law Firm the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services. I ask that the Consumer Financial Protection Bureau look into the actions of XXXX XXXXXXXX and Moss Law Firm regarding their actions towards a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a XXXX, my low was a XXXX from Transunion and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has one piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies, ( 3 ) mortgages over $ 1.3M paid in full, never late, no bankruptcies and I am a XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
Product: Credit card

Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

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

TransUnion continues to report on my credit report the XXXX XXXX accounts # XXXX and # # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed TransUnion to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, TransUnion continues to list these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. # XXXX, # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a XXXX  of debt bondage, a reprehensible form of XXXX XXXX that coerced me into accumulating debts under duress. As a result, my credit report bears several derogatory marks. With the assistance of a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ). This section mandates credit reporting agencies to promptly remove adverse information linked to XXXX  upon filing an official claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are Equifax, XXXX, and XXXX. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.
Product: Bank account or service

Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. 

Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. 

It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal!
Product: Checking or savings account

XXXX XXXX dollars - XXXX XXXX - XX/XX/XXXX This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( XXXX XXXX ) ) XXXX : they did call and hang up
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX-XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint. 

Thank you, XXXX
Product: Debt collection

On XX/XX/2024 I notified COLUMBIA DEBT RECOVERY via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD. While submitting the information via their website, they require the FTC Identity Theft Report to be notarized, which is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). The FTC IDENTITY THEFT statement is NOT required by law to be notarized, therefore I did not, and will not be doing so. 

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT. 

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Product: Payday loan, title loan, or personal loan

Part of the approval process is dependent on a {$40.00} deposit, or initial payment. I was approved for up to {$500.00} originally. When I went to submit the approval to the merchant I was applying for the credit account for, my approval changed tk a denial because I had accidentally entered an invalid card. I called the company, Koalify, and I was advised to reapply with and update my application with no issue. I was denied. The merchant then calls Koalify, and requests for my denials to be reset. I apply again and again I am denied, all because my original application had an error that was since corrected. Im being told by management at Koalify that if it was simply an incorrect card, they can assist with the application being pushed through, which is the reason why I was declined after originally being approved. Then Koalify says that they can not help me because of the denied applications submitted after. HOWEVER, Ive been assured by the merchant involved that the denials could and were reset. Koalify is giving me a difficult time and their so-called policy have no room for error for the customer.
Product: Consumer Loan

Last month, in XXXX 2015, I applied for credit at Conn 's in XXXX XXXX, Texas for a new TV and entertainment stand. I attained the products and received my payment booklet a few weeks later. 

On XXXX XXXX, 2015, I purchased a money order for {$37.00} for my first payment. I was not able to mail it off that day. 

On Sunday, XXXX XXXX, 2015, I received a call from Conn 's saying that my payment was late. I was told that it would be due on the XXXX of the month, by the store sales rep. My booklet indicates that it is due the XXXX of the month. 

The woman told me no, that it is due the XXXX. I told her that I would put it in the drop box that day, but, due to Monday being a holiday, the postal service wo n't pick it up until Tuesday. She was nice and said she 'd document that on my account. 

A few hours later, I got, yet, another call from Conn 's about my account. I was stunned to hear that, until my payment is processed, they would be calling me DAILY. I said, no, they would n't. I received no other calls that day. 

Monday, XXXX XXXX, 2015 I received NO LESS that XXXX phones, along with a text message AND an email about this payment. Unfortunately, I deleted the email and text, but, have a screenshot of Conn 's acknowledgement of my request for stopping text notices. 

I called back and spoke with another person and told them NOT to contact me again today, tomorrow, or any other day, as this is harassment. I also informed them of my intent on filing this complaint. I hope they do n't attempt to contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX on XX/XX/2021 that my credit score changed.When i checked, i found it had dropped 36 points from Transunion for no apparent reason and could find nothing indicating why and there were no changes in payments, credit use or derogatory remarks from anywhere or reasons for the drop.I contacted Transunion only to find they would not give me any information but offered to charge me to obtain a copy of my report either over the phone or from their website.I then found that i could get an annual report for free and requested one.I also have had on time payments for 44 months, no missed or late payments, only use 33 % of my total credit which should be less with my last payments, have not applied for any credit or have any accounts in collection and do not understand why the large drop when i have worked so hard to repair my credit.I went through a large drop last year due to fraud and proved it was fraud that dropped my score 86 points only to have it raised back up 24 points when i did nothing wrong which is not right or fair and this practice is not right and only hurts me for no reason and should not be allowed.