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

I have been a victim of PayPal scams in the past. I was attempting to order footwear online and somehow this company use PayPal. My information was immediately added to PayPal without my authorization and Im unable to cancel my PayPal account to avoid future fraud issues. Upon attempting multiple times to cancel account it now shows that I have to upload my ID. I just want my entire PayPal account cancelled before my bank card is compromised. All of the reviews stated that this company refuse to cancel accounts and give you the run around. Customer service just hang up on you. Please help
Product: Bank account or service

I made an accidental purchase through an online retailer and cancelled the order immediately, as this retailer does n't have a review screen ; if you accidentally hit purchase it automatically processes the order. I have always ordered through PayPal and in this specific circumstance PayPal provided me incorrect information regarding the cancelled order and processed a refund on a purchase that sm was n't supposed to post. Several phone calls have proved to be pointless based on the fact that they prefer to place the blame on the retailer not themselves. A purchase authorization for a specific dollar amount was withdrawn from my bank account several days after the cancellation but processed Several different transactions causing nearly {$200.00} in bank fees on my account, just to be refunded days later yet all the fees incurred remain. I 've spoken to the retailer and PayPal several times with no resolution or accountability. Paypal also processed my refund as a credit card when it was a debit card and they keep giving me the runaround because of how they charged my card! PayPal used to be a safe haven for online shoppers but over the past year or do, I 've noticed that PayPal has begun processing transactions in ways that put the consumer in an " at fault '' position when PayPal has options to rectify its own wrongdoing but refuses to do so. I will be moving my business to XXXX or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed a tradeline from XXXX   XXXX XXXX  with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached
Product: Debt collection

I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As well as the incorrect name : XXXX XXXX XXXX.
Product: Debt collection

Receivables Performance Management is attempting to collect a debt that I do not owe. 
they claim that I owe {$520.00} and this was opened on XX/XX/2018. I have already sent them substantiating documents showing that this was a result of identity theft but they have not been willing to cooperate with me and continue to report this on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and found several items that were not authorized by me and asked Experian to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that Experian continue to not look into my complaint. 

Below are the items I would like Experian to remove from my credit file. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXXXXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXXXXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my transunion report between XXXX and now. For account beginning XXXX, on my Transunion it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my Transunion report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my TransUnion it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.
Product: Debt collection

While checking my credit report I noticed Medical Data Systems has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was XXXX XXXX XXXX. I have never used that facility for service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.
Product: Credit reporting or other personal consumer reports

After realizing I was a victim of identity theft I reported to the 3 bureaus of this matter as well as a copy of my report. They have not produced a promissory note of any information saying that this is indeed my loan. Instead they all XXXX continue to verify informations that they ca not prove is mine. Also there are things they they have agreed to remove and yet they are all still on my report theses items should have promptly been removed. I feel they are holding my credit down on purpose and at this time they are in violation of 15usc 1681 ( I ) ( e ) of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Product: Debt collection

I have made several attempts on XXXX/XXXX/2017 and XXXX/XXXX/2017 to contact this company because they are reporting negative information on all my credit reports about a debt that is not mine. They have failed to proved me with viable evidence of ownership of the debt they are claiming is mine.
Product: Credit reporting or other personal consumer reports

The company REGIONS BANK is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. REGIONS BANK is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " XXXX '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. REGIONS BANK appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. REGIONS BANK is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ) states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 U.S.C. 6801, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law.

According to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt-out. Moreover, under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report that is more than seven years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision.

Furthermore, under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 U.S.C. 1681e requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section 1681c and limit the furnishing of consumer reports to permissible purposes under Section 1681b. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under 12 CFR 1016.7, consumers have the right to opt-out at any time. I am formally exercising my right to opt out of your reporting.
Product: Debt collection

A rep from a company called DebtEaze told me that the XXXX XXXX XXXX XXXX was on pause and suggested paying for my loans. They said that Id have to pay {$220.00} for XXXX  months and then {$120.00} for XXXX  months. They said that after this XXXX payment that any loans left will be forgiven ( paid off ). Along with the monthly loan payment theres a {$99.00} payment fee for filing the applications. I told them that I wanted to start payments on XX/XX/XXXX. At first I was told that I would be charged 1 application fee of {$99.00} on the XXXX but then looking at the agreement form it said I would be charged XXXX XXXX monthly for XXXX  months every XXXX. DebtEaze were able to get into my FSA. I thought the company was legit because I got an email saying my FSA password was changed. They asked me personal information on the phone ( debit card, ssn, etc. ). Im trying to get out of this before payments are made. After which I will pay my loans off myself.
Product: Checking or savings account

I have an account with Blockfi.com. It's a cryptocurrency savings account. In lieu of the recent issues with XXXX, I am unable to withdraw funds from my account. When I opened the account ( and everytime I receive an email from them ), they say that my funds are always available and that I can withdraw at anytime. However, they now put a freeze on all withdrawals and I fear that my money will be lost forever. I need these funds to pay for my son 's college tuition.
Product: Credit reporting

This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}
Product: Checking or savings account

Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in those account to be removed.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports