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

I switched from an XXXX to a " Light '' Phone ( calls & texts only, no apps and no internet browsing ) in an effort to reduce my technology use. I got a new number when I got the new phone. I called PayPal XX/XX/21 to switch the contact information associated with my account, and this call was seamless and my information updated by the PayPal associate. 

Since updating my number with PayPal, I've been unable to access my account. Each attempt results in a request for a phone number for identity verification purposes ( see final attachment ) - a number already associated with the account per the original associate I spoke with and three I've since spoken with. Thinking it's a glitch in the system, I've gone ahead and tried to add the new number from my end, and each attempt results in the same message - that the number is not in the appropriate " format '' and that I can't be verified ( see third attachment ). Hence I have no access to my funds, which I need to pay my bills, and autodebits are bouncing out of my account! 

I called XX/XX/21 and was told my phone number is not an acceptable number to use and that the situation can not be resolved unless I get a new number. I was told there is no way to overrride the glitch, and that I am basically just out of luck and out of the several XXXX dollars in that account ( thankfully I didnt have XXXX K in there as I sometimes do! ). 

Ive emailed several times XX/XX/21 and XX/XX/21, and each time have been responded to with an email saying that my email is not registered to my PayPal account and thus they will not communicate with me ( first attachment )! It is THE PRIMARY EMAIL ADDRESS associated with my account! I sent them a screenshot showing the years of emails from PayPal that have been sent to that email address, as well as a screenshot of the contact information in the PayPal account showing that as my primary email address ( second attachment ), to no avail. They literally respond to my proof of the registered email address with a stock email saying my email address is not registered. 

I called again today, XX/XX/21, I spent an hour on hold before speaking to XXXX, supposedly a supervisor at PayPal, and to whom I offered my SSN, email, addresses, old and new phone numbers, answers to security questions, and details of past transactions, as well as bank account numbers, to demonstrate my identity and to ask what possible justification he has for not overriding their system and releasing my funds to me. The only thing I could do, he said, was wait 24 - 48 hours for their " system to reset '' and try again. XXXX could offer no reason that 24 - 48 hours from now I might be able to access my account ; he offered no reason why the situation should change between now and then. 

He did admit to being able to override the system and fix these glitches for people, but he chose not to do for me despite my insistence that I needed access to the hundreds of dollars of my money in that account in a time sensitive way for bills that are due.
Product: Credit reporting or other personal consumer reports

Chase bank alerted me on XX/XX/year> that someone tried to run my credit for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX loan accounts listed on all three credit reporting agencies Equifax, XXXX, and XXXX that have been paid completely off to XXXX balance and it was not reported to any of the agencies however an increased balance on all XXXX accounts was reported to accounts as of XX/XX/year> and increased the listed balances and caused my score to drop significantly. Resulting to a denial for home buying pre approval due to it looking like i still owe the XXXX to the government with a possible missed payment which is totally inaccurate seeing how all balances have been reduce to XXXX and paid on time and as agreed.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau many times stating that the inquiries were not mine
Product: Debt collection

XXXX XXXX with Caine & Weiner attempted to contact me in XXXX about a vendor that I used for my business. This was never a personal contract, I had a business agreement with the vendor. XXXX failed to verify the debt or provide any paperwork proving that my company owed money to the vendor. After I asked for verification XXXX stopped replying. I have not heard from Caine & Weiner since XXXX 
Today I got an alert saying that they filed a report against my personal credit, which has nothing to do with the business agreement in the first place. 
They never notified me about anything or sent any debt verification. I am reaching out to XXXX directly to dispute this as well.
Product: Mortgage

Applied as a first time home buyer. Trusted lender to evaluate amount of mortgage payment I could afford. Lender underestimated closing costs by {$2000.00}. Corrected costs after too late to cancel contract on home purchase. Also found out after too late to cancel and get refund of earnest money that lender qualified me for a home mortgage loan at 55 % of my take home pay, after simple costs of utilities, car insurance, I would have left {$200.00} for all living expenses, food, clothing, gas to get to and from work. Lender admitted by phone that he made errors and would submit a retraction of my loan approval but did the retraction in a way so that I can not get my earnest money back. Lender did not tell me payment amount until after cancellation time had passed. The Administrator of the Real Estate Company I was working with, XXXX XXXX XXXX, called the lender. The Manager of the firm told her they were not working on a loan for me because they did not have a signed loan application. She inquired if that meant they were not working on a loan for me, they responded they were only gathering information yet they have not filed proper paperwork admitting they made a mistake qualifying me so that I can get the earnest money returned.
Product: Mortgage

Please see the below letter, written by my wife, regarding the HORRIBLE EXPERIENCE that we are having with Stearns. It's an absolute joke, the time and effort we have had to put into trying to get back penalties that we were forced to pay when we had to pay two tax bills out of our own pocket. Isn't that what escrow is for? We have been MORE than patient with Stearns, trying to get our funds back. We are at the end of our rope and don't know what else to do to get the situation resolved. If you have further questions, please feel free to contact me via email or phone. 

We have had a bad experience ( since XX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
Product: Debt collection

A debt collector keeps calling me about a family members debt. I do not own this debt yet they call me everyday while I am working from home. I told them to stop but it keeps coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 For the last 2 hours I tried probably a dozen times to contact Experian to reset a security freeze via phone and website. No option by telephone with probably six calls. By website I'm repeated told PIN # is not valid after completing the same form. The PIN in my file and sent today via email is rejected. Help! This astonishes and concerns me that a powerful organization blocks legitimate access. 
Thank you,
Product: Debt collection

XX/XX/XXXX my report showed that I had opened a XXXX  account that I have no idea about. I was XXXX  my country at the time in XXXX. XX/XX/XXXX it shows as a b by balance of XXXX and its impacting my life badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of XXXX i disputed a bankruptcy that experian is reporting to my credit report which is inaccurate they responded with a letter of a credit report and all of my addresses they claimed i lived at .I then sent another letter in XX/XX/XXXX telling them i didn't want a credit report i wanted the verification method of how this account was verified and validated i sent them a certified letter that by law has to be responded back to within 15 days they sent again the same info stated this info was validated and is was verified through the credit grantor and or three party agencies. Over the last year or so i have determined this information is also incorrect, on XX/XX/XXXX i sent them another certified letter stating this is my last time before i take legal action regarding info that is not correct on my credit report. they blocked the information to be seen on online and gave me the answer as if they will not reveal how it was verified and they will no longer be addressing this case. the credit grantor or public record list MD court located at XXXX XXXX XXXX XXXX in XXXX MD. after going to them directly they have sent a letter to me by law that they do not verified or associate with credit bureaus and that this information is not accurate. i also contacted third party agency that collect consumer reports such as XXXX XXXX XXXX XXXX XXXX  non of which has any info regarding info that is related to me over the last year,. 
according to the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. which they have broken the law over the last 3 years after i have sent them proof that the method that claim they use was not true as i went to them directly. i have sent them copies of such. i keep getting conflicted stories about the verification and its validation Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable re investigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. they told me that it will not re investigate as it has been verified my next step is to sue. this information is making me pay thousand of more interest every year and rendering me from buying a home. This information needs to be deleted within 30 days if it can not be verified with a creditable source.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

Regions Bank Transferring external account XXXX XXXX investments It's not appear on my external account for transfers this is not the first time previous issues Closing of accounts without authorization Stimulus checks deposit never found sums of XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a credit freeze with all three bureaus due to being affected by the XXXX debacle.  I have been trying to login to the Experian but I am unable to do so.  XXXX and XXXX were easy to deal with.  I tried to reset my password, but it sent the reset to a completely different email address - one that I have never used.  I repeatedly tried to contact Experian, but they obviously are actively preventing individuals from speaking to a live human being.   Every number I try sends me to the same place - nowhere.  I am in the process of trying to buy a house and I don't want anyone damaging my credit score or affecting my credit.  I need someone to help me get the password reset email corrected immediately.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE! 


THESE CREDIT REPORTING AGENCIES NEED TO BE REPORTING 100 % ACCURATE INFORMATION AND NOT WHATEVER THEY WANT TO REPORT! THIS WRONG INFORMATION HURTS ME AS AN AMERICAN AND AS A CREDITOR!
Product: Debt collection

This account was paid in full and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

I want to update my address for the Lexington law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Product: Debt collection

No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.
Product: Debt collection

Navy Federal Credit Union is attempting to collect a debt in the amount of XXXX. This debt is a result of identity theft and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records
Product: Student loan

I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX  for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) have implemented. We are now in XXXX XXXX.  I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX   starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with Capital One Auto and the 3 reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to Capital One Auto. They are reporting past the 7 year SOL and have inaccurate factual/errors and have not removed from credit report as required under the FCRA law and within the required time frame.