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

I opened my business PayPal account on XX/XX/XXXX to prepare for accepting registration for a continuing education conference to be held XX/XX/XXXX. We opened registration for the conference on XX/XX/XXXX. Paypal flagged the account for review on XX/XX/XXXX. I submitted the requested documents on XX/XX/XXXX. I received an email stating that Paypal would no longer offer us services and would hold the money in our account for 180 days on XX/XX/XXXX. I called and spoke with a representative who said that he would escalate the case for a review after I explained our business and standard conference planning timelines. I was told I would receive an email about it within 24-48 hours. I did not receive an email, so I called again on XX/XX/XXXX. I was told that no appeal was filed and that no appeal could be filed. The decision was permanent and none of the three people I spoke with would be able to explain why our account was terminated. The representative also refused to further escalate my complaint to a higher authority within the company. The documents they requested to review did not adequately describe and define the business we are conducting and there was not a sufficient space provided to give a clear picture of our business. After making their decision based on incomplete information, they would not accept any further documents to inform their decision. I then emailed several Paypal executives whose email addresses are available online and submitted a XXXX XXXX XXXX   complaint in an attempt to make contact with someone with more authority to help me. I have not received a response. 

In the process of seeking resolution, I also discovered that the 180 day hold of funds is illegal - in California where PayPal is headquartered, in Arizona where my XXXX was formed and in Florida where I live and conduct business. PayPal has actually been sued and settled a class action law suit ( Zepeda, et al ) for similar behavior. This activity on PayPal 's part is unfair because they are holding my funds for an unreasonably long time and are, in the mean time, generating income for themselves by collecting interest from the investment of my funds.
Product: Debt collection

REGIONS BANK is claiming that I owe them {$0.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Their accounts on my credit report is fraudulent the addresses thats listed on my credit report. I never lived in accounts this open and closed and are in collections is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE BEEN DENIED NEW CREDIT AND I WONT BE ABLE TO GET ANYTHING WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Product: Checking or savings account

I am writing to formally file a complaint regarding an improper hold placed on a check I deposited to my Wells Fargo account on XX/XX/2025. The check in question, in the amount of {$3000.00}, was drawn on a reputable U.S. financial institution and should not have been subject to an extended hold under Regulation CC or Wells Fargos own funds availability policy. The account holder ( " maker '' ) of the check is a large entity from whom we have previously deposited checks. 

Despite no apparent risk factors and my account being in good standing, the bank placed a hold of 2 days, which delayed my access to those funds without clear justification. I waited those 2 days, only to be informed that a delay of another 7 days was necessary. 

This caused overdraft fees, stress, and a loss of my time as I tried to resolve the issue through several phone calls on XX/XX/2025. I was told by one customer service agent XXXX XXXX, no last name ) to call the bank that issued the check. That was incorrect, and that other bank told me that it was Wells Fargo who should be verifying the check. I made several other phone calls that day, was bounced from department to department, and eventually told that the department that could help me was closed for the day ( I had started these phone calls at XXXX PST ). 

I believe this hold was not only excessive but in violation of federal regulations,
Product: Debt collection

The original issuer could not provide a reason for the charge in writing, which, according to the Federal Trade Commission 's website is required.I have now filed an identity theft report with IdentityTheft .gov and informed the debt collection company of this and they are still contacting me with hang up calls and letters indicating they are unable to validate my claim. I have sent them, and they did receive, a validation form in which I have declared that I do not owe the amount in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested on several occasions for Equifax to stop reporting and re-inserting incorrect address to my file.They initially deleted an address that doesnt belong to me and then re-inserted this address without my permission once again. This is false reporting and they continue to this again and again. The address the continue to re-insert is listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at this address and have never request for credit or any form of housing/rent or used this address on any type of application. But they continue and are now refusing to remove this address from my file. This is a violation of my rights under the Fair Credit Reporting Act despite my request to have it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Numerous accounts listed on my credit report that I currently have no Knowledge of. This was a result of mal practice or an error!
Product: Mortgage

I am nearing the end ( finally payment ) of my mortage with US Bank. I spoke with a representative last Monday XX/XX/2022 and asked for a pay-off amount and stated that I would like to apply the monies that were being held in escrow ( taxes, insurance ) to the final payment. The representative stated that typically US Bank does not do it that way and it would take approx. another 20 days for them to refund my money. She did however provide me with an email address to the department which handles these actions and stated that it should not be a problem to use the escrow funds- my money- to make the last and final payment. I have contracted this department three separate times and have only received and auto-generated response of " Thank you for your email. Serving our customers is our top priority and a response will be provided after a thorough review of the inquiry. '' The escrow funds are my money, money that I have paid into my mortgage account, and I feel that I should be able to use my money to pay off my mortgage. If US bank insists on holding my funds, then I should be entitled to interest on my money. 

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

XXXX XXXX is reporting a account on my credit reports that I did not open I want my right by fair credit XXXX  for them to provide me with address items sent date price history I want everything verified proving this is my account if this can't be verified then delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX  is/was no longer my service provider and has reported my account being 120 days late!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX payments were made on these dates can you provide me with proof of these payments being late.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

Check deposited into the ATM and rejected. No one tried to reach out to the issusing company.
Product: Mortgage

I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.
Product: Mortgage

I have had nothing but trouble with my mortgage company since I got the loan. They threaten you and call you names when you try to work out arrangements with them to the point that I placed them on a non call status. I have always caught up with my payments although I have had some issues due to the death of my husband and having to care for my elderly parents. The latest tactic on their point was to send back the payment I made on XX/XX/year> which made me current. When I called to ask what this was about, they were unhelpful and stated I would be getting a letter. They said that it wasnt enough. I said that XXXX payment wasnt late yet and I would be making it. They said that they would accept no payment unless it included XXXX payment. I said okay. Now I receive letter that they are going to sell my home. I was never 120 days behind, so Im flabbergasted. I just dont know what to do and they are so hard to deal with they actually make me ill. I feel like they are breaking the law and violating my rights and because I cant afford an attorney they are getting away with it. Go online and you will see thousands of complaints but yet they are still using the same business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. These are the following fraudulent items that I want to removed of : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I have tried to remedy the issue that XXXX XXXX caused as XXXX XXXX indicated to me that Equifax could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XXXX was on my report. XXXX XXXX is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XXXX. I expect that the debt for XXXX placed by XXXX XXXX to be removed as all the requested documentation is included in the correspondence.
Product: Debt collection

Wife is XXXX XXXX in XXXX they have been paid min on accounts told not to call and letters sent. Still call our home XXXX her cellXXXX now my business phone XXXX these XXXX are rude abusive XXXX.
Product: Credit card

Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such information.
Product: Credit reporting or other personal consumer reports

Since I could not understand the content of the letter, I wrote a returning letter to request further explanation to the company called, Elan. 


Customer Authentication ATTN : Bureau Inquiry XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I received the letter regarding customer authentication. As I have only had your name in my credit report for soft inquiries, I am not sure whether I have received any credit card offering from the company called, Elan, in my life. From the beginning, I opted out my name to receive any credit card offers due to the result of identity theft. All credit card promotion has been opted out permanently from my entire life. Therefore, I do not expect to receive any offer from you. If you need my name and address, they are written above. And my telephone number is XXXX. I am not sure what do you mean an explanation of why [ I ] would like the inquiry removed. Would you explain what kind of inquiry I asked to remove? Previously, I sent some letter to your company due to the request of XXXX, because I do not recognize your company for soft inquiries, because, as I have mentioned above, I never received any credit offer from your company. Since I can not understand your question and inquiry, I will not sign the paper you have sent to me. And I request further explanation on your letter. I request explanation what unspecified means? And what is the result of the removal of consumer report? And why should I inquiry need to be removed from my consumer report? I am not sure my letter to your company, Elan, was meant for that. This letter and your letter, which was sent on XX/XX/XXXX of XXXX, will be reported to CFPB? 


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

I called into TransUnion on XXXX XXXX, XXXX and I spoke with Special Handling Supervisor XXXX XXXX. I informed her that there are invalid inquiries in my credit report that I did not do, nor did I authorize these inquiries on my credit report. I requested that she removes them or dispute them since they were not mine. I also mentioned to her that I had submitted a police report to TransUnion earlier this year that explained that my purse was stolen with my social security card in it and this makes me prone to possible identity theft. She refused my request, even though I informed her that i had reached out to the businesses who performed the inquiries, but they too have n't responded. I also informed her that the other two credit bureaus, XXXX and XXXX  had either disputed or deleted the incorrect inquiries from my credit report. Again, she refused. These inquiries are not mine and I should not be held accountable for anything that is not mine ; especially since I have reached out and tried to resolve the situation. Based on the Fair Credit reporting Act, any unauthorized inquiry must be investigated and proven valid. XXXX XXXX did not do this. In accordance with the Fair Credit Reporting Act, I request that TransUnion investigate my claim and if they find my claim to be valid and accurate, I need them to please delete the unauthorized inquiries. Furthermore, I ask that they send a corrected copy of my credit report to me. The following inquiries are incorrect and unauthorized : 1. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX ; 2. XXXX XXXX XXXX via XXXX XXXX requested on XX/XX/XXXX ; 3.XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX requested on XX/XX/XXXX; 4. XXXX XXXX XXXX requested on XX/XX/XXXX ; 5.XXXX requested on XX/XX/XXXX. These 5 inquiries are unauthorized and invalid. TransUnion has refused to provide me with proper validation of the inquiries and they have not considered the police report because they state that they need a " proper law enforcement document, '' but a police report is a lawful and verifiable document. The other two bureaus investigated the invalid inquiries but TransUnion has refused to do so and they have not presented me with any proof that these inquiries are mine. The Fair Credit Report Act states that TransUnion must provide valid documents showing i did authorize these inquiries. PLEASE ASSIST
Product: Debt collection

Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees. 
My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period. 
So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023. 
Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023. 
I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me. 
My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.