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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

I purchased a property on XXXX. My mortgage was sold in XXXX to PennyMac ; from XXXX XXXX ( original mortgage ). I have a spreadsheet of all my payments to both mortgage companies. I believe PennyMac added almost {$500.00} to my principal in the purchase of this mortgage. I have called PennyMac twice to sort this out and they claim all is accurate. I can enclose all my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same account
Product: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Product: Debt collection

This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX Of XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though Experian. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently incarcerated and it was impossible for me to enroll into that or any other school.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REPORT THESE INQUIRIES AND WOULD LIKE FOR THEM TO BE TAKEN OFF MY CREDIT REPORT BECAUSE I AM A VICTIM OF XXXX  XXXX  AND THEY ARE DAMAGING TO MY XXXX. 
EXPERIAN 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
Product: Checking or savings account

My name is XXXX XXXX and I want to complain about PayPal lying to me without resolving my issues.

Whenever I want to link my card to withdraw my funds, it says " there is a problem wrong with my account asking me to contact customer service for help ''.

When I contacted customer service by sending a message by logging into my PayPal account, they do not respond to resolve my issue for more than a month now.

The 180 days hold expired since last month but I can not withdraw my funds due to PayPal not allowing me to add me card, I have bills to pay.

It is Worthy to note that in my similar complaint to the office of California Attorney General last month with complaint number XXXX, a PayPal employee by name XXXX XXXX responded and lied to me that she had made adjustment for me to be able to add my bank or card to withdraw my funds, and she further stated that no errors occurred when handling my account. Such is a big lie and I would like to sue her for lies. 

After she responded and said no issues were found, I tried to link my bank and card but the same error occurred, which means she lied to me. 

I have also contacted PayPal ok XXXX explaining the issue to them about the lies and a customer service representative by name XXXX said she had escalated my issue to a specialist to resolve it and said all requests are handled in the order they are received. Since then I haven't heard from PayPal and it has been weeks.

PayPal purposely ignored me and they lied that my issue has been resolved when it has not. I believe PayPal is run by unprofessional people and they need to conduct further retraining of their support teams so as to know exactly what customer issues are and how to resolve them. 


I need a specialist to handle my issue so it can be taken care of properly since XXXX XXXX showed her unprofessionalism by lying when she didn't even do anything to resolve the complaint I raised, I wish she could be retrained further as she sounds so XXXX  and unprofessional despite her position. 

I also spoke with my bank which is the card issuer and they said the issue isn't from bank. 

I have tried more than 5 different cards from different banks of mine but the error message is still saying the same thing. My banks said I should reach out to PayPal, but PayPal is not helping due to its untrained support. I have tried up to 7 cards from different banks such as XXXX XXXX, XXXX, XXXX XXXX and other bank cards of mine but I still got the same error message from PayPal.

My bank is not the issue.

I only want a very professional specialist to look into my case so as to resolve it, I do not want further contact by XXXX XXXX because of her unprofessionalism I want PayPal to resolve my issue and give a response that truly it has been resolved, I don't need a copy and paste replies. 


My PayPal email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender use my information on ther data bases systems and display my credit score on ther credit monitoring without my permission or consent or my athourthiziton And when I reguest the information to be released they asking me to supmit suboena And when I flow ther instruction and sending them suboena thy didnt answer to it and refused to gives the reason why and then referred me to credit agency and when I contact the credit Agency they returned me back to XXXX The company holding my information for no explanation.
Product: Mortgage

I applied for a refinance mortgage loan with Rocket Mortgage on XX/XX/XXXX. The mortgage broker XXXX XXXX refused to utilized all my income and W2s due to the amount of time it would take to verify employment. Rocket ended up denying me for unstable income. They did not send me any letter of denial. I then decided to try again with another lender XXXX XXXX. XXXX XXXX approved me for the same refinance home loan. While trying to approve my loan in the FHA system XXXX XXXX was stopped by FHA because Rocket logged unstable income into the FHA system. XXXX XXXX requested that I contact XXXX to have this updated. I called rocket several times and spoke with XXXX XXXX in executive customer care. She also sent me a copy of my denial letter in which I am attaching. She stated they will not remove the rejection and advised I was denied for unstable income. I have been on my main job for over 12 years. I also work several contact job to boost my income and have done so for the past 6 years. I felt Rocket discriminated against me because I did have multiple jobs and did not due their due diligence to get me approved for the FHA Loan. Further more marking in the system that my income is unstable is not true. Based on my W2. my AGI for XXXX was XXXX for XXXX XXXX and XXXX XXXX. Rocket utilized their overlay rules in which they are entitled to do but those rules should not affect FHA Approval. XXXX advised that the new lender would need to resolve the unstable income claim. I requested a detailed letter of the denial reason or if their underwriter can place the reason in the FHA system so my new lender can address and XXXX refused that as well. So here it is I have a denial credit reject in the FHA system with no details. XXXX is refusing to remove the reject, they are also refusing to provide specific details on the reject.
Product: Bank account or service

( 1 ) What happened : On XXXX XXXX, 2016, M & T Bank honored a {$700.00} fraudulent " digital check '' against our joint checking account. On XXXX XXXX, I found this check in an online review of our account and immediately notified M & T Bank of their negligence. We were told that the withdrawal was made against a " digital check '' which the bank was permitted to honor although it contained no signature and no endorsing signature on the back. The check number was higher than any check we had had printed for this account. We did not authorize this check or provide our bank account and/or routing number to the payee- or to anyone else- in writing, by phone, fax, or online. We visited our local bank the next day, as instructed, where we filed an Affidavit of Forgery and where we were advised to freeze the affected account and open a new account- which we did. 

Freezing our account meant that Social Security checks, which were automatically deposited, would not be available to us until the SS Administration is able to reroute the checks XX/XX/XXXX. 

For many XXXX, all of this could have been an impossibly time-consuming process and a catastrophic financial situation, perhaps affecting access to funds for medications and other living necessities.
Product: Credit reporting or other personal consumer reports

I have sent Early Warning Services a police report from the XXXX Police Department and a Federal Trade Commission Identity Theft Report in regards to fraudulent and unauthorized bank accounts and inquiries on my Early Warning Consumer Report. Early Warning Services keeps re-inserting and putting the fraudulent bank accounts and inquiries back on my consumer report. The fraudulent bank accounts is not suppose to be put back on my consumer report since I sent Early Warning Services a police report and identity theft report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I sent XXXX/COMENITY/XXXX a debt validation letter requesting validation of debt with account number ending in XXXX and have received any validation of debt. XXXX/COMENITY/XXXX are in violation of codes : 15 USC 1692g ( b ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692f ( 1 ) 15 USC 1692e ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

To Whom It May Concern, I am writing to file a formal complaint against XXXX for inaccurately reporting a late payment to my account, which adversely affected my credit score. I would like the CFPB to help investigate and fix this issue. 

A payment was made on time in XX/XX/ and XX/XX/2023, yet XXXX reported it as late. I previously contacted XXXXXXXX XXXX customer service on XX/XX/2023 to resolve this issue, but the incorrect reporting still needs to be corrected. 

This incorrect reporting has decreased my credit score, which has had significant financial repercussions. I would like for XXXX to correct this error quickly, communicate the correction to the credit bureaus, and give me written confirmation. 

I want you to know that I declare that the information provided in this complaint is accurate and truthful to the best of my knowledge. Thank you for your attention to this matter. I look forward to hearing back from you soon.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX ; last XXXX of Social- XXXX, XXXX XXXX XXXX  Please delete the following accounts. 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: Checking or savings account

XX/XX/2022 My husband passed away and I provided a death certificate shortly thereafter. They have failed to provide the Proof of Block Account for both the Savings Account and CD Account as required by the State of Nevada.
Product: Credit card or prepaid card

I contacted capital one bank about an unauthorized transaction that occurred on my debit card for merchant names XXXX. I made this call as soon as I was aware of charges on XX/XX/XXXX. I never have conducted business with this merchant and I only see two transactions from them XX/XX/XXXX for {$850.00} and XX/XX/XXXX for {$77.00} never had I conducted business with them before the bank denied this even though I never made this transaction Claim ID XXXX I received a new debit card to stop this from happening but the dispute was never resolved further. I have never conducted business with this merchant my bank said this was in Nevada I believe and Ive never been to Nevada ever.
Product: Checking or savings account

I live in a state that has legal online gaming, This is a processes I engage in regularly for entertainment. I am XXXX XXXX  because of my XXXX. So this helps me to pass time. I have asked customer service more then once to look into my checking account for errors. I have had my account overdrawn several times from transactions made from from many different online casinos. I have come to watch my balance every time i deposit into my XXXX acct. to ensure that the deposit comes off of my online checking account ledger with every purchase i make. ( It always dose! ) I look at my ledger and see my balance drop by the amount of my purchase. Sometimes when i look the next day my balance will change over night. There are many more transactions added from the dates earlier that have already been paid. By that time it is impossible for me to track because every thing is move around in the balance column of my acct. ledger. And all of the balances have changed. Bottom line I am being charged twice! I have asked to talk to several supervisors to help with this problem. all they tell me is they don't know why this is happening. So they connect me to another department they tell me the same thing. And it never gets resolved. All they can seem to say is something looks wrong. Please Help! I just want to know why this is happening.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Product: Debt collection

Child Support VA Account # XXXX I have recently been informed that there is a negative claim reported by Child Support VA Account # XXXX account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX  verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Virginia Department of Social Services. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. 

Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite ising zellle numerous times, my financial institution and Zelle failed to investigate my claims. This lack of accountability and transparency is unacceptable and raises serious concerns
Product: Credit card or prepaid card

FOR THE STATEMENT OF XXXX ( XXXX TO XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS THAT A LETTER WAS SENT TO ME IN ANY WAY.THIS CITIBANK COMPANY HAS AFFECTED MY CREDIT IN UNUSUAL WAY. PAID MORE THAN THE MINIMUM REQUIRED AND NEVER HAD A PAYMENT IN ARREAR. THIS AFFECTED MY SCORE FROM XXXX TO XXXX AND THEREFORE MY CREDIT IS AFFECTED AND IT HAS DAMAGED ME, DAMAGE TO BUY A VEHICLE.THIS DECISION IS ALSO MADE BECAUSE I HAVE MORE CREDIT CARDS WITH CITIBANK AND THEY NEVER DID THE SAME WITH MY CREDIT CARD. CREDIT WITH THIS BANK HAVE EXCEED 50 % THE LIMIT. 

I WILL OPEN ANOTHER CASE WITH ANOTHER ACCOUNT FROM THIS SAME BANK. I ALREADY CONSIDER DISCRIMINATORY.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX c : XXXX. 
Email : XXXX Customer Service at Zelle XX/XX/year> To Whom It May Concern : This letter is regarding a recent transaction on XXXX XXXX  ( XXXX  ). I was selling a coffee table on XXXX  to a person named XXXX XXXX XXXX. I was asked to open a Zelle business account and would be required to put money into my Zelle account. I only had a personal account and XXXX XXXX  Zelle would not allow deposits into in a personal Zelle accounts. 
I added {$300.00} of cash from my credit union account into the Zelle business account so I could show it was active. 
When I opened the business account XXXX could put her {$300.00} into my account to pay for the table, my {$300.00} was taken from my Zelle account-but the customer did not put in her {$300.00} to purchase the coffee table. In principle, I was hacked! 
I debated this charge with my credit union, but they determined it was a Zelle issue. Therefore, I am requesting a refund/credit of {$300.00} be placed back into my credit union account.t I feel Zelle was allowing hackers to rip people off like myself. 
Please see the Pics for the texts we had back and forth to seal the {$300.00} transaction. I also am including a letter from my credit union explaining the right to receive resolution. 
I have closed both Zelle accounts and am very leery going forward on using any type of XXXX or Zelle apps currently. 
Please advise next steps. 
I look forward to hearing back from you. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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