23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.
Product: Debt collection

XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, CashApp 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 solution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Every email I receive from AMEX, at the close of the billing cycle, includes the statement balance. The XXXX email did not. I had only made XXXX purchase during that billing cycle which I did not recall, so I thought the lack of balance in the email meant I had no balance due. The email was actually a technical error on the part of AMEX since I did have a {$16.00} balance. This resulted on a late fee of {$16.00} being added to my balance. They refused to move the fee, stating I had a courtesy waiver previously, making me ineligible for another fee waiver.
Product: Credit reporting or other personal consumer reports

Debt validation and proof of claim for this account were requested on XX/XX/year>, but have not been provided.
Product: Vehicle loan or lease

I am submitting this complaint because I am trying to verify the details of an auto loan reportedly associated with me through Wells Fargo Auto Loans.

I am requesting the following documentation to validate and verify the accuracy and legitimacy of the loan : A copy of the original retail installment sales contract or loan agreement bearing my signature. 

A complete payment history or ledger showing all payments made, applied interest, fees, and outstanding balances. 

A full transaction history, including how payments have been applied ( principal, interest, fees, etc. ). 

Any addendums or revisions to the contract, if applicable. 

Name of the dealership and proof of assignment or transfer ( if this account originated through a third party or dealership ). 

Documents related to the origination and funding of the loan, including date of disbursement and final payoff amount if applicable. 

I am not disputing the debt at this time, but I am trying to confirm the legitimacy and accuracy of the loan and need these documents for my records and financial review. I believe I have the right to review this information before proceeding with any further actions or communications about the loan.
Product: Bank account or service

keyBank has been charging me overdraft fees stay in that I am transferring funds from account to account within the same bank reflecting that I had the money would be in the account I when I transfer it says that is available and then they would apply overdraft fees they in that the account was not accurate continuously hitting people with overdraft obsessively their system is not up-to-date and give an accurate information I opt out for not to have the overdraft fees stay in if the money if the monies not in the XXXX do n't let the transaction go through I feel like KeyBank is has figured out a way around the government new law to charge customers overdraft fees and fees and so on
Product: Mortgage

Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute the inaccurate reporting of late payments on my KOHLS/CAPONE account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. The discrepancy between the two reports has caused significant concern and may negatively impact my credit score.
Product: Mortgage

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I reported this XXXX XXXX company for several months, Equifax keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and Equifax didn't investigate the account correctly, if they would have they would have seen that the XXXX bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries that are not mine on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX Transunion and XXXX are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX - XXXX
Product: Mortgage

Again, I have had nothing but nonstop problems with this company since they bought my late husband 's mortgage XXXX years ago. They have constantly tried to claim nonpayment. I just received a letter from a local law office that a foreclosure suit has been filed against ME. However, the mortgage in STILL in my late husband 's name because this company and their DBA company that formally owned our mortgage refused to allow me to switch the mortgage to my name when I provided all info that they requested. ( Which probably is in my favor since they are shady and are known to ruin people 's credit for claiming late payments when the payments have actually been made. ) I have had to send the CFPB copies of my checks that were cashed over and over since they purchased my husband 's mortgage. And here we are again. Claiming that I haven't paid them, when I have made consistent payments up until XXXX. I am now selling the house and they are suddenly ... once again ... trying to claim that I am not paying them ... when I have and have sent the proof in to them & this bureau over and over again. You can refer to the previous complaints to see the checks that were submitted and shown to prove that I have paid each month on time. Once again, they have failed to cash XX/XX/XXXX and XX/XX/XXXX checks so I do not have proof of payment for those, but still can prove that I have paid and not missed XXXX months in a row and therefore foreclosure is unwarranted. I have uploaded cashed checks for the last year as proof of payment & their fraudulent continued behavior.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Product: Credit reporting

On XXXX XXXX, XXXX, I, XXXX XXXX XXXX ( " Plaintiff '' ) had attempted on numerous occasions to access my online Equifax Credit Information Service XXXX XXXX ( " Defendant, Equifax '' ) account from their principle website located at www.equifax.com. In which, the Plaintiff had not obtained authentication access to her online Equifax account in many years ; she had clicked onto the forgotten password [ hyperlink ] then she had been linked to another Equifax 's webpage prompting her to entered, her last name, social security number, and date of birth into the appropriate textbox fields. After, the Plaintiff had completed typing into the required textbox fields then she had clicked onto the " continue '' button to link her to the next webpage, and she had received a message that stated : Equifax Customer Service No Products Available We apologize for any inconvenience ; however, we are unable to log you into our system at this time. Please contact our Customer Care department at Equifax Customer Care or XXXX ( XXXX ), 7 days a week between hours of XXXX XXXX and we will assist you with resetting your sign-in information. 

The Plaintiff next step was to contacted, Defendant, Equifax 's customer service representative in regards to her Equifax online account has been unlawfully block, and the Defendant, Equifax 's, customer service representative informed her for additional documentations are required such as, a copy of her social security card, utilities bills, and Illinois Driver License or State Identification Card to the Equifax 's Credit Agency, Dispute Resolution department. In XXXX XXXX, the Plaintiff had legally changed her legal name in a judiciary court in XXXX XXXX, Illinois from XXXX XXXX XXXX to XXXX XXXX XXXX however, her social security number and date of birth should have not been changed, or altered into the Defendant, Equifax 's data system. The Plaintiff has not under any circumstances, however, waiving, any legal rights to anyone person including family members, presently or future in legal procedures nor had [ has ] she legally authorized them to obtained accesses to her Equifax Credit reports and [ or ] account. The Plaintiff has not any debt obligations for consumer credit loans activities such as, credit cards, XXXX XXXX XXXX, student loans debts, and [ XXXX ] Cable and Cellular Phone Telecommunications Contract agreements. And if, any consumer credit loans had been established by any furnisher those credit loans were obtained on forged or fraudulent instruments, therefore, she is a victim of Identity Theft criminal activities. The Plaintiff should not have to provide the Defendant, Equifax with any copy of her social security card, utilities bills, and Illinois Driver License or State Identification Card when those information are obtain from the furnishers to the Defendant, Equifax. In addition, the Plaintiff alleged, supplying the Defendant, Equifax with a copy of her identity authentication features instruments only smooth the progress of false personations, and perpetuates identity theft activities.
Product: Money transfer, virtual currency, or money service

I been scammed. I received a call from a JPMorgan Chase number and I thought it was one of the representatives, the caller has said that there has been fraudulent activity on my bank account, he then asked me to verify my transactions, from there he had said there was someone trying to pull XXXX in branch from my bank using a fake id. He then said that we can reverse the funds doing a wire transfer and that was when it happened, I then ask why am I sending money and he said that itll be reversed back into your account and from there we will investigate on it. Caller said he was going to call me back as soon as possible but there was no luck on that. I contacted my bank and they have said they can not do anything since its been completed. I did go ahead and contact the recipients bank. The bank listed was not the bank that he said it was. It turned out to be a different credit union. I made multiple calls and finally I was able to get a hold of the recipients bank. All they can say is that their fraud department will take 45 days to resolve and that the chances are slim. I know that I been scammed and that it was a someone calling under chases number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
Product: Credit reporting or other personal consumer reports

Hello, I have many old charge offs from private student loans. The worst of them is XXXX. They have incorrectly reported my first date of delinquency. 
And payments are being shown as made, account current, or just plain no data showing at all. All these charge offs are 7 years old and I have the payment history proof from my XXXX  account to prove it. Most have a first date of delinquency as XX/XX/XXXX. A couple have XX/XX/XXXX. Both of which are old and should have fallen off. XXXX and TransUnion  are showing a XX/XX/XXXX drop off date, which is incorrect. Please help me. 
This has ruined my life for so long. I have current disputes out through a credit repair company since XXXX with no luck, so I have recently disputed myself online. I have submitted my last payment made XXXX  documentation so it should be a no brainer I dont understand. 
There are other XXXX XXXX loan issues. 
One account is very old with a first date of delinquency as XX/XX/XXXX but they keep reporting missed payments as newly missed reaging the debt. Account is XXXX. Another is XXXX  and XXXX, also with original dates of delinquency in XXXX but they are showing XXXX, and I have no access to my account anymore to prove it. 
Please help me. These charge offs are so old and need to be removed. These loans were taken out as a student as early as XXXX. And the rest of my credit has been responsible after I got a good job and paid off what I could. Thank you. so much for helping me.
Product: Debt collection

My dispute is with IQ data international ( collections company ). 
legit and original account starting with a debt of {$4900.00} from an apartment rent debt. 
this account was included in a program to consolidate debt with a company called XXXX XXXX XXXX, and payments started going to this account regularly. 
During a period of 6 years, a total amount to this date, XX/XX/XXXX  has been of exactly {$5300.00} made on monthly payments, so I am considering this account paid in full. 
We were trying to get in contact with this company for the last 3 months and no response has been made from them on what the balance of the account is, or if it has been paid already. 
we understand that some interests or surcharges are added to accounts like this, but at least we would like to know what our status is. 
please keep in mind that we have received in the past, proposals to pay in full the balance at 40 % or 50 % minus, if balance is paid in full. we never took advantage of this offers due to lack of founds. 
as of today XX/XX/XXXX  I have put a stop on the payments thru XXXX XXXX XXXXXXXX, until this situation clears. 
we appreciate the help you can provide.
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. 

Account name : XXXXXXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX  Account number:XXXX has violated my rights. Or 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: Mortgage

Hello, I would like to file a formal complaint against Wells Fargo Bank. Less than a year ago, my husband and I purchased a foreclosed home from Wells Fargo Bank ( they are listed as the Seller on all of our closing documents ). We were informed that the home came with a home warranty up to {$1500.00} maximum for repairs only. When we tried to use the home warranty for a crack in the foundation that grew significantly bigger over the months ; Wells Fargo stated that they could not identify our home warranty and that a home warranty did not exist. 

It was extremely frustrating because we have contacted the Seller 's Real Estate Agent and he instructed us to contact Wells Fargo. For days we called Wells Fargo and no one could provide a definite answer regarding the home warranty, advice about who to contact or anything. We even contacted Wells Fargo 's Customer Service, Asset Managers, and the Executive Headquarter Office and all we received as an answer was that " someone would contact us ''. No one has contacted us yet. The information that a home warranty accompanying our home is fraudulent and Wells Fargo states that they don't not know anything about it. 

The mortgage is not through Wells Fargo. Wells Fargo sold us the foreclosed home and is listed as the Seller on our Closing Documents. 

Your assistance in looking into this matter will be greatly appreciated.