23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reported o nXX/XX/XXXX that my Paypal MasterCard Cash card was stolen and never received. I was basically told they weren't liable and that I should file a police report and " hope '' that I get my money back. I was told I was going to out XXXX and tough cookie even though I was able to verify that none of the account info matched me, when I was at the time or my bank account. Even still I was told no dice.I received a letter 6 months later that stated that the follow : PayPal Important updates about your lost or stolen PayPal Cash Mastercard. 










XXXX XXXX, When a customer reports a card as lost or stolen to PayPal, per our standard process, we close the card immediately and issue a new replacement card with a new account number. This way, we protect your account from unauthorized transactions. 

As part of our routine system audit, we discovered that the PayPal Cash Mastercard ending in XXXX you reported with unauthorized transactions on XX/XX/2018 wasn't closed due to a technical error on our part. This error also prevented PayPal from shipping you a replacement card. 

Corrective Actions we are taking Since PayPal approved your transactions after the card was reported lost or stolen, we've refunded XXXX USD to your PayPal account. The refund will appear in your PayPal balance. This amount reflects all purchases that were made with the card after you reported it lost or stolen. If youd like an itemized list of the transactions being refunded, please contact our customer care center at XXXX. 

Additionally, were shipping you a new replacement card to the physical address you have on file : Your replacement card will have a new account number. So, please ensure to add the new number to anywhere you have the card stored for payments your favorite websites, utilities, streaming services, applications, and so on. 
On activation, youll also be prompted to create a new PIN. It can be the same PIN as on your previous card or something completely different. 

We sincerely apologize for any inconvenience. Rest assured, we take the security of your debit card very seriously, that's why we've reissued you a new PayPal Cash Mastercard. 

The PayPal Cash card team After being on the phne for over 4 hours after receiving the email, and bein transferred numerous times, and handled by several rude representatives, I was told my payapl account had limitations and there for had no answers to give me about how to retirive my funds. That I would no tever receive them.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Merchant processing account with XXXX, also going by the name of XXXX XXXX, on XX/XX/2018. 

I specifically asked the salesperson prior to submitting my report if this was a soft or hard inquiry on my report, because I was going to be looking at buying a house soon, and did not want any hard inquiry done on it. I was completely and unequivocally assured it was not, that it was a soft inquiry, and proceeded to apply for the account. I am the owner of my company, so when we do this type of thing, it is my credit account that winds up being used. 

I then received a hard hit on my credit and was furious. 

I called the company and expressed my frustration but they initially denied that it took place. Then when I pressed them, I was given some run around excuse that it was because as a merchant account, the funds were held in a bank for a day and so they have to handle it like a credit application, which was total rubbish. They refused to remove it. 

I then contacted transunion, and much to my horror they stated that they only way why would remove the hard inquiry is if the issuing party sent them " a deletion letter ''. I explained that the company already refused to do so, and did a hard inquiry without my permission. They refused to remove the unauthorized inquiry. 

I am shocked and livid that I am not receiving the help that I need to remove this. 
Transunion is basically saying, that unless a criminal tells on themselves when they misuse your credit report, that they refuse to honor the consumers rights. That's insane and that's completely against my rights, as well as the law. 

I have contacted both parties on 3 occasions now, once in XXXX, once in XXXX, and once in XXXX, with no results. In fact when I dispute this with XXXX in XXXX, they closed my merchant account on the same exact day out of retaliation for attempting to resolve this. 

I've been through both identity theft, and tax fraud, and I absolutely need to make sure that my information is safe, and that people are not using my information in any way I did not authorize. 

Please assist me in removing this hard inquiry on my reports. I did not authorize it, and was not given accurate information or support by either entity. 

I do not know what documents to share, but the hard inquiry is on my report, and I have a copy of the letter sent to me by XXXX in XXXX in needed.
Product: Debt collection

WHY HAS YOUR BUREAU NOT TAKEN IMMEDIATE AND DECISIVE ACTION TO REMOVE THE FRAUDULENT ACCOUNTS, ESPECIALLY WHEN OTHER CREDIT BUREAUS HAVE ACKNOWLEDGED THEIR FRAUDULENT NATURE AND REMOVED THEM? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN CLEARLY IDENTIFIED AS FRAUDULENT, DESPITE MULTIPLE DISPUTES AND SUPPORTING EVIDENCE? WHAT SPECIFIC MEASURES IS YOUR BUREAU TAKING TO RECTIFY THIS SITUATION, AND WHY HAS THE PROCESS BEEN SO EGREGIOUSLY DELAYED? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am appalled and infuriated by the utter lack of urgency and responsibility demonstrated by your bureau in addressing the fraudulent accounts on my credit report. 

XXXX XXXX -PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX-PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand the immediate removal of the fraudulent accounts from my credit report. Your lack of responsiveness and diligence in addressing this matter is not only unconscionable but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the timely correction of inaccurate information. Failure to take immediate action on this matter will compel me to explore all available legal avenues to rectify the damages caused by your bureau 's inexcusable negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 a account without my written instructions
Product: Bank account or service

53 Bank charged a fraudulent charge of {$330.00} OD to an account with a positive balance and they refuse to refund their charge. The account is negative {$57.00} with that charge
Product: Checking or savings account

XXXX XXXX XXXX charged {$1000.00} on my Citibank debit card. 
XX/XX/23 XXXX charged {$2000.00} on my Citibank debit card ( {$1000.00} of this was credited back the next day ). 
Citibank owes me {$2000.00}. 
I was a victim of identity fraud. I have spent the last 9 months trying to get my money back from Citibank. They keep opening and closing cases. They won't speak with me directly. I've followed all the requirements and hoops that Citibank has had me jump through. I have filed a report with XXXX Police Dept as well. 
Most recently, Citibank has told me it's too late to get my money back. I have been fighting this as soon as I found out about it.

The Citibank fraud dept is set up so that you can never talk to the person making the decision and then they mail you a letter to say your case is closed. It says you can request documents for why they made this decision, but I never received them after I requested them.
Product: Checking or savings account

ALL OPEN CLAIM HAVE BEEN CLOSED PER MY REQUEST AND THE FUND IS SUPPOSE TO BE REVERSED SO YALL CAN GET YALL LIL MONEY 15 BUSINESS DAYS WILL BE UP ON THE XXXX OF XXXX THERE ARE NO MORE PENDING TRANSACTIONS OR OPEN CLAIMS SO THERES NO REASON TO STIL LHOLD MY FUNDS.
Product: Student loan

Applied as a co-signer for my son and the application was stilled denied. 
I am XXXX and retired, but carry an impeccable credit score / FICO ( XXXX, XXXX, XXXX ). 
Plain and simple - age discrimination and work ( retired ) discrimination, against SallieMae.
Product: Checking or savings account

I contacted them about accounts open in my name and disputes filed on the account and they didnt nothing no resolution or results they have no effect communication
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Open Date XXXX XXXX I have been ignored from both the creditor and the credit reporting bureaus. I have file a dispute and no investigation was opened and nor results were sent to me. I also had attached a police report for the fraudulent accounts and incorrect information reporting.
Product: Debt collection

This company is impersonating to be a lawyer however they are a collections agency attempting to collect a debt from 11 years ago. they have put XXXX leins on my bank account over the past 3 year. however they have never reached out to me to settle the debt. i called the courts to verify the case number and the court clerk said it doesn't exist. per statue of limitations this isn't legal and I feel this company is harassing me and submitting deceptive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account open from XXXXXXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to earlywarningservies. The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPSTART is reporting a late payment on my credit profile. However, they made an accommodation by waiving the late fee therefore the account needs to report to the credit bureau as paid on time. The account is current. The CARES ACT states : " If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. '' The relief was offered once UPSTART waived my late fee on XX/XX/2022 around XXXX PM. 

In addition, my UPSTART portal shows the account as being late but not reported late to the credit bureaus. This is false, the account was in fact reported late. Attached are photos from my loan portal and XXXX. 

This is a direct violation of the CARES ACT and takes advantage of consumers ' rights during these tought economic conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to remove or update their credit reporting entry on my Transunion credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with Transunion and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card on my credit report that I have no knowledge of, I submitted a complaint with Transunion on XX/XX/21 it's been well over 30 day and they have not responded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, TransUnion and XXXX, have gone unanswered. These reporting violations are causing my family and I financial difficulties.
Product: Credit reporting

Equifax allowed my report to be double pulled/double reported by XXXX. I have attempted to dispute this multiple times, as it has caused me denial of credit. My file should have only been shared once.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX in my life and I have always lived in California. This person was XXXX in Maryland.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear XXXX I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations. 

OLD CASH APP ACCOUNT I NO LONGER CAN INTO THE ACCOUNT IT LOCKED ME OUT XXXX XXXXXXXX New account XXXX
Product: Student loan

Years ago in both XXXX and from XXXX when I had my sons I reached out to then Sallie Mae and requested that my payments be lowered. I was on leave and my husband was not working. We had 1/3 of our salaries. I was informed that we didnt qualify and we could only file for a forbearance. We were given this same information every time we called. Additionally these loans are FFEL loans. They were originally backed by the government and then some were sold to private companies. This is fraudulent on behalf of the government to service some of the loans and allow forgiveness but not others, especially when we as borrowers had no idea that this was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allows fraudulent and inaccurate information to be furnished about my person. 
The following accounts are inaccurate : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : All late payments are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian to investigate and send proof of investigation of the account XXXX XXXX XXXX. First this account is over 7 years old. Second this account was paid as agreed and in full to the Original owner of this account XXXX XXXX XXXX. Experian refuses to send proof of any verification after 3 request sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, XXXX, Experian, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( MyselfXXXX XXXX ) had concluded, one of the changes were being done from the one of the credit bureaus that I previously listed. For instance, attached is a screenshot from our Experian XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the Transunion, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to XXXX, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not honored. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Product: Mortgage

The last two years they say my escrow has changed, but they give no notification. They then hold the payment in escrow for in my case 22 days. They said my payment increased {$30.00} last year it was {$12.00}. They hold the money in escrow and due not give interest credit for that time period. I am sure they should be required to disclose all interest that they earn from doing this to thousands of VA loans. Veterans should not be subjected to this kind of fraud. They always say they have tried to contact the borrower, but can not provide proof. This is consumer fraud against our veterans. I am filing this complaint for all veterans who are subjected to this consumer fraud.