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

Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX account. 

I'd really appreciate it you helped me resolve the issue and get my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of address discrepancies on my credit report that do not belong to me. These old addresses have possibly allowed my information to become compromised.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer reports.

I have made attempts to fix these issues directly with the agency and They are violating my rights still and I'm entitled to {$1000.00} for every violation I listed, they either pay me or DELETE these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, After carefully reviewing my credit report, I cant understand why this account below is reporting on my credit report which is inaccurate reporting. Please remove all and delete. 

- XXXX XXXX XXXX Account # XXXX Balance $ XXXX DELETE AND REMOVE FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Annual Credit Report recently. On it, there were XXXX accounts paid satisfactorily XXXX, XXXX, XXXX years ago respectively. Theses accounts should have been deleted after XXXX  years. I wrote Equifax a letter on XX/XX/21 requesting these accounts be deleted, and a new report issued. I received their response dated XX/XX/21, basically a form letter patting me on the head and saying they were working on it. Nothing has happened since,
Product: Mortgage

Simply put, we were " OCWENed ''.   OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did.
My bride and I were out of the country when OCWEN se  nt us certified letters, notifying us the foreclosure they were pursuing. We never received those letters because how long they were in o ur PO Box , co nsequently those letters were returned ( which is on record ). But we did receive an eviction notice in   XXXX  , afte r O   CWEN was actually successful with foreclosing on our home.
Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us.
Product: Debt collection

I have a line of credit with Capital One, which recently shifted from interest only to principal and interest. This change created a financial hardship which was communicated, as I could only afford to continue interest only payments. While I continued to make interest only payments, Capital One discovered that I was connected to my employer 's investment account as a signer. 

Funds from this organization, ( XXXX XXXX XXXX ) were drafted on XX/XX/2022 in the amount of {$2100.00} and on XX/XX/2022 in the amount of {$2000.00} for a total of {$4200.00}. 

I was notified by the accountant of XXXX XXXX XXXX that a " right to offset '' charge was noted on bank statements. Upon further research it was determined that these funds belonging to XXXX XXXX XXXX had been seized to satisfy my personal debt. 

The inappropriate handing of this matter has exposed my personal business to an employer that has entrusted be with fiduciary responsibility, caused great embarrassment, and is creating an adverse situation regarding my position. 

Furthermore, XXXX XXXX XXXX is a non-profit, XXXX ( c ) XXXX corporation organized in the State of Louisiana and I am not an owner, director or stock owner in this corporation nor is XXXX XXXX XXXX responsible or obligated for any of my personal obligations.
Product: Credit card or prepaid card

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CITICARDS CBNA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part.
Product: Credit card

Today XX/XX/24 at XXXXXXXX XXXX  I received an email from Capital One stating that another number had been updated on my profile. I have never opened an account with Capital One so this was news to me. at XXXX I also received an email from XXXX XXXX saying there was a hard pull on my credit report by Capital One. At XXXX another email from Capital One came in stating my account details including a XXXX $ credit limit for a new Savor One Card. At XXXX another email from Capital one came in sayin thank you for going paperless for the account ending in XXXX, I called Capital one and was transferred to the fraud department where they were able to verify my name/ address/ date of birth/ SS info/. They said the name on the account and address did not match my own. They did share the last name it was opened under but not the address. I had them close the account and flagged it for fraud since I was not the one who opened this account. They told me to file a police report and contact my other banks with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$180.00}
Product: Debt collection

Lease agreement stated that lease can be waived if death or medical conditions. I have XXXX XXXX XXXX XXXX XXXX. Doctor stated no stairs, no driving, avoid baths, need to be with someone who can help with medical problems. Option 2 on Lease agreement with XXXX. XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I have requested several times to transunion delete a remark in my report over my closed account XXXX XXXX. It says the account is a charge off, settled less than full balance. This is incorrect and the dispute I made with them in XXXX of 2018 tells the account was paid in full. Even the dispute confirm what I'm saying and even I have phone to claim this, still the reports is showing this remark. 

- I requested a month ago to check a paytment it was done to the only loan I'm carrying, with XXXX, but Transunion has deleted the account instead show this paytment. I have check with XXXX, the creditor, and they assure they didn't take any action and that they are reporting all the paytments.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE and DESIST On XX/XX/2021 XXXX XXXX XXXX the consumer informed XXXX, XXXX, and Experian that i was a victim of identity theft and provided them with a copy of my FTC report. It has been almost a year later and XXXX, XXXX, and Experian has failed to provide me any proof of their said investigation as to me granting permission ( i.e. my signature giving permission for said transactions/accounts ) for said companies to use my personal information on any accounts that they have falsely reported to my consumer report. This notice serves as their second notice to correct the issue because as of now they are in violation of my CONSUMER RIGHTS which states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You have violated this consumer law of mines because you were notified of the theft and have been giving proof of my identity yet everything on my FTC report is not blocked and is still being reported on my consumer report. According to my CONSUMER RIGHTS, everything in my consumer report should be reporting to 100 % accuracy. It is not accurate if you are allowing identity theft to be reported on my consumer report which is another violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

On XX/XX/XXXX I requested a copy of my payoff loan amount, when I received it I noticed that there is discrepancy between my loan balance and the payoff amount. So onXX/XX/XXXX I talked to the Mr. Cooper 's representative about this issue, after long conversation he could not provide me any document, or convincing explanation of the extra amount of the loan payoff, he just said that this our expense amount. For your information, on year XXXX I lost my job, therefore I could't pay my mortgage payments, for my house, to XXXX XXXX , then government provided the Home Affordable Modification Program, so I applied to this program and I got qualified for it, now after nine years of paying my payments on time, for help of my family members I want to payoff this loan, but in the loan modification contract there is no mention of this expense amount of {$36000.00} dollars, that Mr. Cooper call is it, " Lender Paid Expenses ''. During my loan adjustment XXXX XXXX told me that if I don't default on my payments, there will be no penalty. Also this loan has changed few hands since it's adjustment, and now Mr. Cooper owns the loan, but they are not given me any adequate explanation or any evidence of where in our contract there is mention of this expenses. My request from Consumer Financial protection Agency is that, to help me to find out why should I pay this enormous amount for the servicer of this loan, I thought government helped us not to foreclose our houses, which could cost them to loose more money. Please let me know if you need more information from me. Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning, Today I am complaining about the CRAs for improperly reporting inaccuracies on my Consumer report, not updating or removing the inaccurate items being reported and for reporting a Bankruptcy that shouldnt be reporting if the COURT never reported. I went up there to see the documents and they said they do not reprint anything to the CRAs and gave me document to upload here to have it removed. I also included the letter in the attachments but I have sent this FORMAL LETTER to them multiple times certified and nothing has happened. 
Accounts in question : Bankruptcy ( all 3 CRAS ) XXXX ( XXXX )
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC, " PRA '' Has again violated federally protected consumer rights. " PRA '' has failed to respond to my debt validation letter. I have requested the Audit trail, Account ledger, Forward flow agreement, Chain of title, Valid contract and their power of attorney over original creditor, to which they have defaulted on all 7 requests. Further more " PRA '' has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, pursuant to 15 USC 1692 ( a ) Abusive Practices. " PRA '' has also violated 15 USC 1692f ( 8 ) and utilized symbols and logos on their communications with me, exposed to anyone who handles mail, allowing anyone to know that a " debt collector '' is communicating with a consumer. Being that the consumer is the original creditor, " PRA '' has never requested from me to obtain my personal identifiable information and is now in violation of 15 USC 1692d - Harassment or Abuse. Please be advised that these are NOT the only violations within their correspondence. " PRA '' and XXXX XXXX, of the disputes department, will be held liable in federal court, within jurisdiction, if they do not cease communication with me, cease communication with ALL consumer reporting agencies and delete my records from their filings. Attached to this complaint is my cease and desist letter and another copy of the debt validation letter that they have failed to respond to adequately. Again, there is NO CONTRACT WITH " PRA '', an alleged " debt '' is not and will never be required to be paid if there is no contract or a third party debt collector has not sufficiently responded to a debt validation letter. Again, you do not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I reserve my right to file suit, without recourse.
Product: Vehicle loan or lease

Hello, I refinanced my loan from Santander USA with XXXX  XXXX XXXX. On XX/XX/XXXX my loan with Santander USA was paid off. I have been requesting a release of lien letter from Santander USA since XX/XX/XXXX. Santander USA has hung up on me numerous times, transferred me from titles department to another department who then tries to transfer me back to titles. They have REFUSED to send it to me, told me XXXX XXXX XXXX needs to request it from Santander and that I, the customer, can not request it, etc. My state has a title correction deadline of XX/XX/XXXX and I can not get a simple release of lien letter from Santander USA.
Product: Debt collection

I sent a letter to XXXX XXXX requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt 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 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 of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Product: Debt collection

Did not receive any notice of the debt, surprised me with credit report account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX  XXXX  with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Product: Checking or savings account

On XX/XX/XXXX I had my account Debited {$4600.00} from XXXX after losing wallet. The PIN number was in the wallet due to being a brand new card issued to a new account holder. I had received a call from XXXX stating they had found the wallet. Picked it up and thought everything was ok. Fast Forward 3 weeks. I had looked back into statements as I do from month to month. I then seen the purchase and called as soon as I had seen into capital ones fraud department to file a claim. I explained how this had not been seen until now and that the card was still being used since XXXX contacted about a found wallet. I had no clue. My I initial thought of a lump sum was perfect my wife transferred the money to our savings. The department spoke with my wife in an attack mode of claiming she was lying. Stating her story didnt add up because she didnt state XXXX called her. Claim was then DENIED. {$4600.00} poof gone. I was told if I contact police get report and contact XXXX and also add report that they can relook and issue. That day, I had done both. Everything I can and was told by the police and XXXX that they have whatever bank needs to prove the situation. I was told that they cant do more then make sure it was not an employee which it wasnt and that my bank has to claim under there insurance. I then called my bank capital one back to find out they dont care about any physical nor visual proof I have nor any reporting I had made. They had said that there conversation with my wife is proof to fully deny and not reopen. I have physical and visual proof as well as reports with all partys. Capital ones response ... ... who cares your denied!!! Dont call back because we wont listen. So now {$4600.00} gone from my acct and too bad for me I have to deal with fraud and theft with proof. I want my money back ... ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX is telling me that they report. It is in the contract that they report to all three credit bureaus and they have for 20 years with my card. They then told 2 of the three bureaus that my card was canceled but still report to XXXX. Ive been calling them for 6 months now. They say they are reporting to all 3, but Equifax is saying they are not. Ive been back and forth with both XXXXXXXX XXXX and Equifax telling me its not their fault. XXXX XXXX is very secretive about who reports for them or how to get this issue fixed. Equifax refuses to look into it at all, they say if the bank reports they show it. There is a problem and neither side will address it! This card is my oldest highest limit card and its creating a XXXX points negative impact on my score.
Product: Credit reporting

Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.
Product: Mortgage

In complaint XXXX, I noted that I had been given a COVID-19 partial claim but was still being reported as delinquent. Two of the three major bureaus were edited to remove the inaccurate COVID information ( but not to reflect the timely unemployment forebearance payments ), but there has been nothing done to resolve the XXXX report, which still shows the inaccurate information. 
* * * As previously stated : " I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected. ''