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

XX/XX/2022, I sent a friend {$1000.00} using PayPal. PayPal decided it was suspicious activity and put a freeze on my friend 's account. 

I asked my friend to refund the money and I would try a wire transfer through my bank instead. 

My friend was unable to initiate a refund. When PayPal puts a freeze on an account they take away the option to refund a payment. 

They asked my friend to provide several documents to prove legitimacy and decided they did not like what was provided and permanently closed my friend 's account on XX/XX/2022. 

Instead of sending the {$1000.00} back to me as the originator, PayPal has simply kept the money. 

I have called several times and only gotten automatic voice messages without ever reaching an actual person. 

I have left them messages and their response was my friend must provide the documentation to clear their account. They refused to initiate a refund and said that was not possible. 

They literally have {$1000.00} of my money that never reached the intended recipient and instead of returning it to me, the sender, they are keeping it. I don't know how this is even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed those inquiries below, which I dont recognize and I would like them to be deleted from my report. See attachment. 

Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) 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 issues and financial losses, and I seek appropriate redress for these violations.
Product: Credit card

Wells Fargo ( Platinum Visa ) has recently instituted fees for connected to accounts with XXXX, and I presume other financial management tools. This is the first time I have seen this, and I believe that this is an intentional barrier to customers ' ability to access their own financial data in a relevant way for effective management of their finances. I believe that this is done in hopes that it will lead to errors on the customers ' side so that Wells Fargo can rack up higher interest rates and over limit fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I view a copy of my TransUnion report and noticed an unverified collection account from XXXX XXXX XXXX. I have previously disputed this account with TransUnion requesting verification. I have also contacted XXXX XXXX XXXX using the information provided to me from TransUnion and was unable to Verify this collection account ( see attachment ). I do not owe a {$400.00} unpaid balance with XXXX XXXX XXXX or XXXX. Per the FCRA unverified is not allowed to be reported on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a XXXX  complaint against santamder bank after several failed attempts to dispute and solve directly with the company. And their response the company admits that upon my update of my bank information that the automatic payments were stopped although they do not admit it was stopped on their end and did not address my disclaimer that from my website point of view it looks like everything is set up correctly and I was given no notification that when I updated my banking information it was going to automatically stop my automatic payments and I had a late payment on my account because of them that they will not remove after asking
Product: Debt collection

This is a formal complaint against Caine Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I leased a XXXX for 36 month term which ended XXXX. I bought the same vehicle on XXXX. Paid all my dues including the buyout amount on time XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was XXXX. 
All my credit bureau reports show the XXXX account as CLOSED on XXXX and in good standing so far *XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XXXX and the one before in XXXX was for XXXX. I didnt reside in XXXX in XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail *XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX Case # XXXX. Please find attached the Case details, content and all online tracking information *XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX *XX/XX/XXXX I paid the full amount {$560.00} *XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted *XX/XX/XXXX- Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

In late XX/XX/XXXX, I moved out of my residence at XXXX XXXX XXXX XXXX, XXXX, AR XXXX. During that time, I temporarily used XXXX XXXX XXXX, XXXX XXXX, AR XXXX as a mailing address. I had internet service with XXXX XXXX and always paid my XXXX bill six months in advance. At no time did XXXX attempt to contact me about any balance due or equipment return, despite having my correct email address and phone number on file. 
In early XX/XX/XXXX, I received a letter from Professional Credit Management, stating that I had been sent to collections for unreturned equipment ( a router ). This was the first and only notice I received. I was never contacted directly by XXXX XXXX prior to this. 
I immediately contacted XXXX XXXX to understand the issue and returned the router right away. It was delivered to their office on XX/XX/XXXX. Despite my prompt and responsible action, a negative collection account was reported to the credit bureaus by Professional Credit Management approximately three weeks later, harming my credit report. 
The collection is now marked as paid, but it continues to negatively affect my score. I am disputing this collection because I was never properly notified prior to the debt being reported, and I took swift action to resolve the situation as soon as I became aware. This situation does not reflect intentional nonpayment or neglect and should not impact my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my Experian and XXXX credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Experian credit bureau and XXXX credit bureau removed this from my credit report. If not I am going to start a legal action. Thank you.
Product: Credit reporting or other personal consumer reports

I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required.
Product: Credit card

Discover Cards claims on all of its advertisements, promotional brochures and legal documents it does not charge ANY foreign currency fees on foreign currency transactions. However, Discover Cards does willfully and knowingly, with deceit and intent to defraud, reduce the exchange rate on all purchases in foreign currency and other transactions by exactly three percent when calculating the exchange rate on ALL foreign currency transactions. Yet, Discover Cards, refuses to admit it is defrauding consumers with false and misleading statements, advertising and documentation.
Product: Debt collection

XXXX XXXX XXXX XXXX aka XXXX took a deposit of {$160.00} from me but never returned it and then without ever sending me a final bill, put a charge of {$60.00} on my credit report. I have tried over and over to get this resolved with no luck at all. I filed a complaint with the IURC ( Indiana Utility Regulatory Commission ) and got a call from XXXX XXXX XXXX but same story. They sent my deposit refund to XXXX XXXX XXXX who says they sent on a debit card it to the wrong address and the debit was used in another state. ( Ohio ) So " they '' sent " My '' deposit to some other person and now they say tough luck for me. This is insane. I'm XXXX years old and have never been so outraged or experienced such disregard for people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am requesting the debt to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, 2025 Security Credit Services Subject : Request for Removal of Settled Debt from Collection Account Under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request the removal of the settled debt reported by your agency to the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). The debt in question, as reported on my credit report, was settled, and I believe it is being incorrectly reported by your agency, as I never signed a contract or agreement with your agency for collection of this debt.

I understand that under the FCRA, a collection agency is required to provide accurate and verifiable information when reporting debts to the credit bureaus. Since I did not enter into any contractual agreement with your agency directly, I request that you provide proof of such an agreement or remove this account from my credit report.

The information you have reported is potentially inaccurate and may violate my rights under the FCRA, which guarantees that consumers have the right to dispute and request the removal of incorrect information from their credit file. If you can not provide documentation of a valid contract or agreement between myself and your agency, I ask that you take immediate steps to have this debt removed from my credit report.

The account in question is identified by the following reference number : XXXX. 

Please consider this letter a formal dispute and request for the deletion of the settled debt from your collection records. If this issue is not resolved within 30 days, I will be forced to escalate the matter by filing a dispute with the credit reporting agencies and the Consumer Financial Protection Bureau ( CFPB ) once again and getting my family attorney involved.

I appreciate your prompt attention to this matter and look forward to your response. Please provide written confirmation of the removal of the account from my credit report, or send me the necessary documentation to validate your claim. 

Sincerely, XXXX XXXX Account Number : XXXX
Product: Student loan

I am submitting this complaint to resolve an issue with MOHELA regarding my student loan refund following the discharge of my loans due to 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Department of Veterans Affairs established my XXXX XXXX XXXX XXXXXXXX effective date as XX/XX/year>, as documented in the attached VA letter. However, MOHELA and the Department of Education incorrectly recorded the effective date as XX/XX/year>, resulting in a failure to refund {$3500.00} in payments I made after the correct effective date. These refunds are required under 34 CFR 682.402 ( c ) and 685.213. 

Despite numerous emails, phone calls, and complaints to MOHELA, the Department of Education, and the Federal Student Aid Ombudsman, this issue remains unresolved. XXXX has twice confirmed they resent the discharge packet with the correct effective date to MOHELA and FSA, but no action has been taken. 

I request that the effective date be corrected to XX/XX/year>, and the {$3500.00} refund be issued immediately. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted a request to remove XXXX XXXX from my credit report to XXXX Credit Reporting due to this account being over 7 years old, and they have not removed it. I am being told I can only request removal once. Account opened on XX/XX/2015. I will upload supporting documents. I would like this account completely removed from all credit reporting agencies right away, and showing a updated on my. Credit report asap. Thank you for your time.
Product: Debt collection

Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!
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 XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently experiencing difficulty with obtaining a lien release and supporting documentation on a home equity mortgage loan that originated in XX/XX/XXXX and I had paid off XX/XX/XXXX that was held with HSBC Bank. I was made aware of the issue of the lien not being removed from my deed during a current refinancing process with another financial institution. I have been attempting to resolve this issue with HSBC since XX/XX/XXXX. After great difficulty in finding a working contact number for HSBC, I ended up with HSBC mortgage Service Company who have absolutely done nothing to address the issue. The process was started with an email which returns a form to fill your information in and send, that generates no response or acknowledgement. After multiple calls in conjunction with efforts on my behalf by the current lender and underwriter, I still have not received a response or resolution. The responses are always the same " I have escalated the request, the volume of requests is massive, We ca n't locate the information ( even though I have provided the actual title search for them, including deed & liber information ), even after finally being directed to a " supervisor '' the response is the same, stall and claim they will look into it and escalate it. At this point I feel HSBC and the service company, Mortgage Service, are simply not going to do anything about this. In the meantime I am suffering financial harm as I have lost the low interest rate with the expiration of the commitment and associated specials with the application ( no fees, etc. ). The current lender I am working with has indicated that I am not the only individual in this situation with HSBC and my own research has found thousands of reviews describing similar problems or worse. 
I guess my next step in this process will be engaging legal council if I can afford it, in an effort to resolve this. 

If nothing else, I feel that this situation is unacceptable and warrants consideration of potential legislation to protect consumers from negligent banking practices that un-wittingly harm the consumer. 
I greatly appreciate anything you or your office could do to facilitate an acceptable resolution not only for me, but the other consumers dealing with the same problems.
Product: Credit card

I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX