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

Paypal is Stopping from doing XXXX transaction buying online or selling online.I dis like paypal but everyone on XXXX use them. 
Paypal says this to me, you perform certain tasks on your account. You will be able to regain access to these features once you've completed these. 
Reference ID : XXXX Upload a photo ID Completed Provide proof of your address Provide proof of your SSN Completed Give us your feedback -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Paypal i gave them Copy my Driver 's license, SS # Card, Now paypal making me give proof my address. 
Unbelieable.I spoken with many people they open up personal account never had to do what i doing. 
Paypal been treating me like XXXX10 years ago saying my SS # was not mine.Because they got employee there with my SS # .Paypal is XXXX XXXX company
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. 
Below are the details of the accounts in question : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative fraudulent accounts. I am filing a complaint against Experian inaccurate in my credit report. Company responding without providing evidence of a thorough investigation. The practice violates the fair Act. Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a formal complaint for Experian Credit services. I have over the last few years tried to correct issues on my credit report and they have continually not rectified the issue which is causing great strain in my life. I have attached below the most recent letter I have sent them and they have never responded to any of my letters regarding the a verification on accuracy of any of the accounts. This would not be according to current law allowing any items in question to be verified if requested. They have not provided any documentation or anything regarding the issues. Please assist. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/XXXX to update my name and address, which made a dispute. Due to having those open disputes, I could not see any updates to my online account. To cover myself, I sent in letters on XX/XX/XXXX requesting TransUnion to verify seven accounts and also to remove any names & addresses associated with my account that did not " mirror '' my legal driver 's license, real id identification card, and my social security card that I provided a copy of in the letter they received on XX/XX/XXXX. 

I immediately called when I was able to see my dispute on the portal. The " Completion date '' on the TransUnion portal, exceeded 30 days, so I called. I spoke to a supervisor by the name of XXXX on XX/XX/XXXX, and he told me that the letter that I submitted on XX/XX/XXXX was not sent out until the end of XXXX, and he has no excuse or idea why it was sent seventeen days later and that he would have his boss call me in XXXX business days or I can call the following morning. 

On XX/XX/XXXX, I spoke to another supervisor, XXXX XXXX, who told me that I had no choice but to wait until XX/XX/XXXX, at that the displayed completion date on the portal was accurate, even though I told him it exceeded 30 days and to wait for a call back as there was a ticket in to call me back. 

Then today, XX/XX/XXXX, I spoke to multiple supervisors who sent me to XXXX XXXX, who was the highest supervisor, and he told me there was a dispute on XXXX over the phone for all seven accounts. I do not recall disputing these accounts over the phone or online. He told me nothing was done with my letter from ( XX/XX/XXXX ) and that they have five working business days to send it to the creditors, which would have been ( XX/XX/XXXX ). 
In closing, my certified letter received by Transunion was disregarded, along with the legal documents verifying my identity, along with the accounts needing to be verified were disregarded. There is an open Dispute on XX/XX/XXXX, but I don't believe it is tied to my certified letter, and if it is by law meaning, they have to provide me with an update, but according to all the supervisors, I have communicated my concerns I couldn't get a straight answer. I was told I will not receive a response on XX/XX/XXXX by all the people I communicated with. Instead, I should expect an update now by XX/XX/XXXX ( 43 days from when I sent my Certified Letter ), which is why I am filing a claim now because I was told I would not get a response by the XXXX. Obviously, someone dropped the ball, and I shouldn't have suffer due to TransUnion 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The XXXX portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The Equifax site is not allowing me to download the PDF with the results to my dispute. Equifax is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, ai. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Customer complaints data is being scraped from multiple websites such as cfpb, XXXX, occ, fdic etc by Capital One Bank. They are accumulating all this data without informing the customers and appropriate source authorities such as cfpb, XXXX, occ, fdic.
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 XXXX XXXX Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX  Acct # 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 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: Credit card or prepaid card

On XX/XX/XXXX I noticed fraudulent transactions in my Wells Fargo credit card. I received a text message on XX/XX/XXXX regarding a transaction " XXXX XXXX '' for XXXX, I instantly called Wells Fargo regarding these fraudulent charges. They said they would give me a new card. However, several more transactions continue to be processed for weeks, even when Wells Fargo switch my credit card account. They continue to allow interest charges on the account then after a few weeks with no resolution I closed the account ( before I did the Wells Fargo representative told me it wouldn't affect my Credit Score but it did ). Afterwards, the account was frozen and Wells Fargo credited, supposedly, credited all fraudulent charges. In XX/XX/XXXX, I contacted Wells Fargo regarding the balance I needed to pay. They stated that I owed XXXX, asked what/why are those my charges yet no one in Wells Fargo ever answered my question and advised me for months to not pay the balance since it was still being reviewed. Now Wells Fargo Executive Team is failing to contact me and resolve this situation regarding where the amount of transactions are coming from and remove interest/late charges since Wells Fargo employees insisted that I not pay every month, which has also negatively affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX Inquired XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 not to mention the fact none of these were from me they were false or fraudulent attempts
Product: Debt collection

Wakefield is claiming that I received medical attention in 2012 in XXXX, TX. I believe they have confused me with someone else.
Product: Checking or savings account

I issued a check from my community bank, XXXX XXXX, to XXXX XXXX, check number XXXX in the amount of {$55.00}. XXXX  is a fairly new community bank and I have heard that some of the larger banks, namely XXXX and Bank of America were not recognizing their payments or checks. In this case, XXXX called me to tell me that Bank of America rejected my check payment. I verified that my account had sufficient funds, in this case, many multiples over the amount of my check and then with XXXX  that the check was not presented for payment. It is clear that Bank of America 's antiquated systems are not being updated for newer community banks and they mistakenly rejected my payment. They caused me unnecessary time and embarrassment by rejecting my check payment to my vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting three ( 3 ) inquiries I do not recognize : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I got a letter and a request for payment from a company called XXXX. They claim to have purchased my debt of {$150.00} from XX/XX/XXXX. Allegedly I did business or somehow authorized a charge or charges for the above amount with a company named : Synovus Bank or XXXX XXXX XXXX. And XXXX XXXX XXXX was trying to collect from me. I did not authorize any amount with the company they claim to have bought debt from nor did I even know of this company. I wrote them a letter disputing the charge and asking they fix this error and I let them know I was going to be filling a complaint. Their letter to me trying to collect, was dated XX/XX/XXXX and my dispute and response was dated XX/XX/XXXX and it was sent to XXXX XXXX XXXX ATT : General Disputes/Billing Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent all documents for ftc claim
Product: Mortgage

I have tried all day to get in touch with a voice. 1 hour I was on hold and then I had to hang up, then I call back and I'm placed on hold another 45 minutes then I hang up because I have to work. I'm furious with this company for their horrible customer service, their horrible phone system that you can't navigate through. They must do this on purpose so they don't have to deal with their customers. I know for a fact this is not the first complaint on this horrid company. My next stop is an attorney just because I can't get a voice to help me with our flood insurance and mortgage. But I will get one if I have to. The only way to get a voice is if you push 3 for a new accout. They answer that line right away and then transfer you to another line that just had music for an hour. 

It's terrible and if I don't get in touch with someone I promise you I will do everything in my power to make sure this company knows how horrible they are. I'm begging you to help me. I shouldn't have to beg to speak to a representative from LoanCare but if I do then so be it.
Product: Credit reporting or other personal consumer reports

I dispute an Michanic bank account that is reporting inaccurate information on my consumer reports l ask for an reinvestigation But fail to correct the information on 3 all credit bureaus Under the FCRA, specifically 15 U.S.C. 16815-2 ( a ), furnishers of information, such as XXXX XXXX , are required to ensure the accuracy of the data they report. Furthermore, under 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed information. I respectfully request that the CFPB investigate this matter and ensure that Michanic bank fulfills its legal obligation to report accurate information. I also request that the inaccurate information be removed immediately to reflect the truth of my credit history.i circle all the dates that is not accurate and also upload a copy of the report and highlight the information that not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning my XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ),  Experian is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein the XX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXX payment is reported as NOT past due ). Experian is in violation of state and federal law in doing so. I demand that Experian delete the XX/XX/XXXX payment regarding XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is inconsistently is adversely impacting my credit score.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED FOR 2 YEARS TO GET THIS CORRECTED WITH MBFS AND HAVE NOT LUCK, I HAVE NEVER BEEN LATE WITH THE ACCOUNT I HAD WITH THEM NOR DONE ANYTHING FRAUDULENT. BACK IN XXXX GRANT FROM THE FRAUD DEPARTMENT AT MBFS GANGED UP WITH A DUTY SHERIFF IN XXXX XXXX NC AND LIED THROUGH HES TEETH, SO THE DEPUTY ISSUED WARRANTS FOR OUR ARREST AND THEN THE HEAD XXXX DIMISSED THE WARRANTS AND FIRED THE DEPUTY FOR LYING AND WAS CAUGHT WITH GRANT LYING. I SUED MBFS AND XXXX XXXX XXXX DEPARTMENT FOR TRYING TO DO FINANCIAL RUINS ON SENIORS AND WON HEADS DONE, 12 COUNT JURY AWARDED ME AND MY WIFE XXXX XXXX DOLLARS BUT THEN THEY WERE SCARED OTHERS WOULD COME AFTER THEM SO THEY SEALED THE CASE FROM THE PUBLIC. THEN AFTER THE CAR WAS PAID OFF WITH MBFS THEY STILL WOULDNT GIVE ME TITLE AND GRANT TOLD ME ON THE PHONE WITH MBFS HE WAS GOING TO PERSONALLY RUIN MY CREDIT BECUASE HE COULD. SO MBFS IS REPORTING CHARGED OFF AND WRITE OFF AND XXXX MO LATE AND IVE NEVER BEEN LATE ON THIS CAR AND PLUS IT WAS PAID IN FULL. I WANT THIS ACCOUNT DELETED FROM MY CREDIT FILE OR UPDATED TO PAID IN FULL AND DELETE THE WRITE OFF AND CHARGE OFF COMMENTS FROM THE TRADE LINE. IF NOT I WILL SUE MBFS AGAIN FOR FINANCIAL RUINS OF MY CREDIT AND IM A XXXX XXXX XXXX SENIOR. FIX THE PROBLEM OF JUST DELETE THE TRADE LINE. IF NOT I WILL FILL LEGAL ACTION AGAINST MBFS AND FILE POLICE REPORT FOR FRAUD FROM A NATIONAL BRAND COMPANY TO DEFRAUD ME. YES IVE ALREADY TALK TO STATE BUREAU IN NC AND THEY SAID WHAT MBFS IS DOING IS FRAUD. FIX THE PROBLEM NOW OR ILL FILE THE REPORT AND HAVE ATTORNEY CHAS POST III FILE LEGAL AUCTIONS
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX business loans which were sent by cash app XX/XX/2023 {$300.00} XX/XX/2023 {$500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$1500.00} XX/XX/2023 {$500.00} XX/XX/2023 {$8100.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$5000.00} XX/XX/2023 {$500.00} total amount {$36000.00} All of the cash app transfers came from my XXXX checking account XXXX XXXXXXXX Financial Crimes Enforcement Network is looking into Cash App for money launderers with the help XXXXXXXX XXXX To support the fraud XXXX XXXX sent forward an email from XXXX XXXX Head of Operations XXXX XXXX  XXXX XXXX stating that XXXX XXXX XXXX required taxes to be paid His email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went from XXXX ( good ) down to XXXX ( bad ) in one month. 
Absolutely nothing changed in that month to have caused this drop. 
I spoke with Transunion and they would not help or explain it to me.
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX XXXX was paid in full 38 days ago. Experian is the only credit reporting agency that continues to report this information in error.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. The inquiries in question are listed below 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  Under 15 U.S. Code 1681n, credit reporting agencies are liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). I believe these hard inquiries were made without my authorization and should be removed for the following reasons : 1. Lack of Authorization : I did not authorize these hard inquiries, and they were made without my consent.

2. Inaccuracy : The presence of these inquiries on my credit report is inaccurate and misleading.

3. Fair Credit Reporting : The continued reporting of these unauthorized inquiries is causing undue harm to my creditworthiness and financial stability. 
I kindly request that you investigate this matter and remove the unauthorized hard inquiries from my credit report. Please provide written confirmation of the removal once the investigation is complete on Equifax Thank you for your prompt attention to this matter. I look forward to your response.