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

On a pass-thru basis, I recvd an electronic payment on XXXX. Problems followed. A solution was available through PayPal. I recvd the money thru XXXX at XXXX Bank. From PayPal, I sent the money to its intended target But, I made a mistake and attached the wrong bank account at XXXX. My funding source had a XXXX balance. My backup funding source has a very low credit limit by design. PayPal should have declined the transaction. PayPal failed and sent the money. 

PayPal loaned me {$1500.00}. PayPal terminated all other services that I use. PayPal refuses to disclose the terms of this loan. PayPal was wrong to complete the transaction. PayPal knew that no funding source was available- and if they did not know, then all PayPal transactions are unsecured loans with no published terms. 

I demand to know the terms of the {$1500.00} loan that PayPal extended to me without my authorization. I demand that PayPal restore my services. 

I have been treated like a criminal and I do not appreciate it. PayPal personnel have questioned my integrity. Those same personnel threatened me - " we can go into that account any time we want and withdraw funds ''. That threat is on a voice recording if anything PayPal says is, in fact, true.
Product: Debt collection

Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX. 

Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was written on XX/XX/2023, to Equifax XXXX IncXXXX, and uploaded through the ( CFPB ) XXXX XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. code 1681i - procedure incase of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 - Block of information resulting from identity theft states, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 616. Civil liability for willful noncompliance 15 U.S.C. 1681n states, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of It has been 30 days and you are in VIOLATION of these laws because I am a victim of identity theft & I have provided the proper documents to prove such. Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.
Product: Credit reporting or other personal consumer reports

I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal has completed a hard inquiry of my credit report that has caused my credit score to be charged with a hard enquiry. I have not utilized or authorize PayPal account to do the credit report and was notified by my financial institutions protection monitoring system that my debit card was used to purchase items from an unknown source with over {$500.00}. That led me to put a hold on the debit card account and get a new one.
Product: Debt collection

I have received numerous calls from an agency that I do business with. They stated the amount I owe over a voicemail, without giving mini Miranda, what would 've happened if someone else checked my voicemail? I believe these violate my rights as a consumer, not only that I know all FDCPA Laws and this is prohibited to leave over a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am reaching out for your help due to my bad experience I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. i NEED ALSO A HARD COPY OF REPORT MAILED TO ME WITH ALL THE SHOWING THE UPDATED STATUS OF PAID AS AGREED. NO PROOF WAS SENT OVER 45 DAYS.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took out a {$4000.00} installment loan from XXXX. Since XX/XX/XXXX, I have made biweekly payments of {$100.00} as scheduled. To date, I have paid over $ XXXX the amount borrowedyet XXXX  claims I still owe {$2500.00} due to excessive interest ( 64.76 % APR ). 

I formally requested a settlement, as I have already repaid double the principal. However : 1. Mailed a formal demand letterno response.

2. Sent multiple emailsno response.

3. Called multiple timesonly told I " do not qualify '' for any settlement and must continue paying.

4. Automatic withdrawals continue without addressing my concerns. 

Despite multiple good-faith efforts to resolve this, XXXX  refuses to acknowledge my request or provide any reasonable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was made aware that my account with XXXX was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The XXXX company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.
Product: Mortgage

Starting XX/XX/XXXX, our mortgage went up from XXXX usd to XXXX usd because Fifth Third Bank somehow CHARGED DOUBLE for the property taxes. 

We wrote and called. We sent an email XXXX XXXX back in XX/XX/XXXX, and 4 more times after that- as instructed - and never heard back from them. 

Fifth third bank charges us {$300.00} more per month on mortgage since XX/XX/XXXX because they assumed that they received XXXX property tax bills from XXXX XXXX for the year of XXXX. 

This is INACCURATE. 

Please see the explanation below by XXXX XXXX " The screenshot you included in your email appears to be a projection made by your mortgage company for the XXXX tax. The XXXX tax assessment has not yet been finalized by the Department of Tax Administration, but it should be available around the first week of XXXX. '' XXXX XXXX also attached a screenshot of the ONE property tax bill for XXXX, due XX/XX/XXXX. Since we already paid that in the escrow account : Fifth Third needs to make that payment. 

We have called the customer service about 10 times and each time they asked that we emailed the issue to Fifth Third Tax Dept at XXXX. 

WE NEVER HEARD FROM THEM EVER. 

We keep paying {$300.00} extra per month with no end in sight. We want to file a complaint - and if that is not enough, a legal action.
Product: Mortgage

Dear Sir/Madam, This letter constitutes a formal complaint regarding the difficulties we have encountered in attempting to pay our mortgage for the below accounts Fay Servicing sent us the attached statements dated XX/XX/year> showing the Amounts due as listed below. The statements indicated that the payment amounts listed below needed to be paid by XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempted Payment Amount as per statement : {$7500.00} On XX/XX/XXXX, we attempted to make the payments for each account in the amounts specified on the statements. However, our attempts to pay through the online portal and via phone with customer service were repeatedly rejected. 

Despite numerous attempts to resolve this issue through phone calls ( on XXXX XXXX XXXX ) and email updates and queries up until ( on XX/XX/year> ), we have been unable to obtain assistance from Fay Servicing XXXX 

Consequently, Fay Servicing has begun imposing numerous fees, which we believe are unfair and unwarranted. We diligently attempted to make the correct payments on the specified dates as instructed by Fay Servicing statements. 

We believe these actions constitute unfair lending practices and request a prompt resolution to this matter.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX 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. States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's  something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.
Product: Credit reporting

I have filed lawsuits against TransUnion and XXXX. A s a result, these credit bureaus will not supply the required annual report for unknown reasons.
Product: Credit reporting or other personal consumer reports

fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit cards opened at XXXX XXXX XXXX XXXX around XX/XX/year> account XXXX and The account have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices buy Navy Federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiry I never apply for XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen
Product: Debt collection

I noticed on my credit report that there was debt turned over to collections that said it originated from the hospital I called the hospital and the lady I talked to after a while said she figured out what was going on I have a child that is over the age of XXXX and apparently they were linked to my account the lady from the hospital unlinked the accounts and assured me that I have nothing that should be in collections I called rmp to try to straighten things out but was told that they turned it over to there legal team and they couldn't do anything about it. The hospital has all my information so it shouldn't have been a problem to reach out to me but I did not receive a peice of mail a phone call or anything the only thing they did was attack my credit i attached an example of the problem I'm not sure of the exact bill the collections might be referring to but one that shows the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XXXX XXXX XXXX with XXXX, Transunion, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.
Product: Consumer Loan

Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.