23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 : The Paypal phone app informs me that I can not transfer {$2500.00} to my verified bank account. I called Paypal customer support. 

Transferred to Transactions department. 

1st line person in Transactions Department admits that she can not see why I can not transfer my account balance to my bank account. 

She transferred me to her supervisor. 

Supervisor says that I can not transfer the balance to my bank account because my account is " limited '' ( Restricted in what it can do ). She transfers me to the Account Limitation department. 

I follow the prompts from Paypal 's website and clear the limitation by creating a new password. 

The Account Limitation department 's 1st level person confirms that the limitation is removed and that the transaction should go through. When I inform her that the system is still rejecting the transfer of my balance to my bank account, she tells me that the system is probably restricting the transfer because the account has not been used for this size of a transaction previously. 

I ask her how much the system will allow me to transfer. She says " Try {$500.00}. '' She says that " No one can control the system. '' I tell her that the system is not magical and that I just want to know how much I can transfer, without trial and error. She does not know how much can be transferred. She admits that she is ignorant of that information. Paypal has not trained their staff sufficiently to inform customers of the restrictions on their transfer of their account balances. 

She transfers me to a manager.

The manager, " XXXX '', is also in the Limitations Department. XXXX tells me that the account has not accepted the clearing of the limitation and that I must wait 24 hours. He is condescending in saying he " is sorry that [ I ] feel that way '' and hangs up.

Time used on call was 2.5 hours. 

I have found that severely compartmentalized information, very long hold times, and transfers to multiple departments to be the common process with Paypal. In my role as an attorney, we had an estate with funds in the decedent 's Paypal account. Paypal would not release the money for 9 months, until we finally involved the CFPB. The check was then received 2 weeks later. 

This is a pattern and practice of Paypal to force customers to leave money in their Paypal account. Ostensibly, it is so they can earn interest on the money. 

This is a fraudulent financial practice.
Product: Checking or savings account

I deposited XXXX checks on XX/XX/2024 at XXXX Citibank Branch. XXXX  days later the checks where marked as fraudulent and I called them and they said the checks could not be verified. XXXX  days later they told me account was to be closed. It was a cashiers check for XXXX another for XXXX and a regular personal check of XXXX. Citibank is holding that money for no reason. Both banks have said the checks have cleared and don't understand why citibank is holding the funds. I have gone to the branch over XXXX times and still no answer from anyone.
Product: Credit reporting or other personal consumer reports

I was completely shocked to discover that my credit report has been accessed and used without my consent. Applications were submitted in my name, and multiple companies pulled my credit report without my authorization. I do not recognize these fraudulent inquiries, nor did I apply to any of these entities. It is deeply frustrating and insulting that such a violation of my rights as a consumer has occurred. As a law-abiding citizen, I should not have to deal with the consequences of someone elses fraudulent actions. This situation is causing me immense stress, and I refuse to let it go unaddressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX  7XXXX
Product: Credit reporting or other personal consumer reports

Hello, I'm requesting a re-investigating. I just received my TransUnion File Number XXXX dated for XX/XX/2024. I see this acct XXXX/XXXX  # XXXX came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please Give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX Credit Report XXXX XXXX on XX/XX/2024. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!
Product: Payday loan, title loan, or personal loan

This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

Called Fedloan on XX/XX/2022 to ask for forgiveness for loan payments made during the COVID-19 pandemic. The customer service representative said she had submitted my application and that the payments would be refunded in the next 2 weeks to 2 months. Called back today, XX/XX/2022, to be told that I had to contact a different company, XXXX, and that Fedloan had done nothing for my case. The original customer service person lied to me and left me several months behind on this process.
Product: Credit card or prepaid card

USAA XXXX lowered my credit limit from XXXX to XXXX for inactivity! This has negatively impacted my credit rating and my ability to get a mortgage all because I keep this card for emergency 's and do n't charge stuff all the time. My wife also has a credit card with them but they have n't bothered her limit. This is inconsistent at best and discriminatory at most. Is it because of my race or gender that I 'm being treated different then her. My credit rating was excellent before they arbitrarily lowered my credit rating.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service & unfair practices, which violate 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 resolution requirements under the 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: Money transfer, virtual currency, or money service

Hello CFPB, Thank you for your time to taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using western union money services. I recently reached out to western to get the details of money I sent from the year 2000 to now but western declined through my email requests. I contacted western union at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont even know that exists and also representatives are very rude responding customers ) representatives and they even dont know the USA geography and simply denied my request many times and declined to transfer my calls to US customer support saying that there is no US customer support available.

The western union company has headquarters based in the USA but all poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. Western simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX  and other places. 

I will pay a minimal fee if I required to pay to get my required info. 

People I sent money through money western union : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX 4.XXXX XXXX, XXXX 5. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( Experian, XXXX, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for Experian, XXXX, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, Experian, and XXXX still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XX/XX/year> ) I applied for this card and was approved. The card was sent to me pre-activated but I never received it in the mail. XXXX tried to send me the card three more times, and still never got the card. Every month they kept on adding late fees and other administrative fees on top. Called them on numerous occasions to informed them that I never received a physical card nor statements. All calls went unanswered. The account eventually charged off and card was being reported incorrectly on my credit report. I disputed this on numerous accessions and neither of the credit bureaus ( all three ) removed files off my credit report. They all said that this adverse account is accurate and verified. Which is all lies.
Product: Credit card

I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion- Hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX New XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.
Product: Money transfer, virtual currency, or money service

I am very concerned about my Coinbase account. I have invested thousands of dollars into Bit Coin plus a sizable amount of cash exists in this account as well. On XX/XX/XXXX I noticed that the amount of cash was incorrect. There was a sizable additional amount of funds. On this date I got a call from my XXXX XXXX XXXX XXXX that an unauthorized amount of approximately {$19000.00}. XXXX was going to be transferred to Coinbase. I made sure not to approve it and to terminate said unauthorized Coinbase transfer. However coinbase actually had reflected that I already had these additional funds in my Coinbase account. I tried to contact CoinBase however they refuse to allow me to speak to a live person. Instead I was made to follow online prompts to disable my account. I received an email confirming my case. XXXX # XXXX. I tried calling a customer service line several times but no one answers and on. A recorded line indicated that if I felt my account has been compromised to press # 1 to disable your account after I did this the phone disconnects. Ive since attempted several calls during the last few days and the same thing always happens. Yesterday XX/XX/17 I was also sent an additional email indicating that : on XX/XX/XXXX my balance had increased due to a {$300.00} buy/sale # XXXX The trouble is, I never attempted any buys on XX/XX/XXXX. Furthermore their online prompts influenced me to disable my account and made me attempt to change my password. Its now Friday XX/XX/XXXX and I have been locked out of my account all week. I have no access and no clarity to see what is going on with the account. I was sent several emails over the week stating that my case was being researched by a specialist and they would get back to me in 4-5 business days. This experience is highly irregular and I have a sizable amount invested with Coinbase. I do not feel comfortable about it and have no idea what is going on or what is going to happen. This is no way to treat a customer who has over {$30000.00} invested with Coinbase especially after I have put my faith and trust in their service.
Product: Credit card or prepaid card

Hi there, I recently was issued a refund of {$250.00} to a debit card that isnt active anymore due to the account being closed. I called the PNC Bank and they would not tell me if the money was sent to them. They also kept saying that when the money is refunded to a closed account they would send it back to the issuer. They never sent it back to the issuer. I contacted the issuer and they confirmed that it was sent to the inactive debit card. The bank will not help me at this point and is giving me the run around about where my money had gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to both Experian and XXXX bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as  accurate which is not true.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.