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

On XX/XX/XXXX I noticed my PayPal account got the name associated with the account charged. I tried to change the name back to my own but was unable because my ID didnt match the fraudulent name. I tried filing an email complaint but was unable to. 

On XX/XX/XXXX I logged in again to find over 20 fraudulent charges. 20 of those were a series of identical purchase orders for XXXX $ each, made by someone named XXXX XXXX. All of these were unauthorized. XXXX of the charges were large check withdraws made out to someone named XXXX XXXX XXXX, at an address that I think was XXXX XXXX XXXX None of these charges were authorized by me. 

When I called PayPal, I got shuffled around to at least 5 representatives, none of whom were able to help me. 

I called back the next day and supposedly had someone document my complaint. They said they would file a case but I never got notified. 

Between XX/XX/XXXX and the beginning of XXXX, I called PayPal on a bi weekly basis. Each time, there was never a record of my calls. During this time, the person who made the fraudulent purchases had all their money returned. I was never able to sign in to my account to communicate with them or PayPal due to the fact my account was going overdrawn. My account was overdrawn because of the check withdrawal that were made and SENT to a person that wasnt me. 

On XX/XX/XXXX, I contacted ID notify to file a case for identify theft. A representative tried to help me by contacting PayPal with me on the line and we were hung up on 3 times, over 2 days when we were supposedly being sent to superviser s.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions XXXXay also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have submitted my id and social security card including bank statements and affidavit of credit worthiness above XXXX and statement in good faith fdic form. They have asked for this info a. XXXX th time I sent it six times. I sent ftc identity theft report twice to them and to remove. The XXXX hard inquiries that I did not give any consent to they wont do it. I asked how they verified them and they asked for my social security card and id again. They violated my rights all over for being a fake credit reporting agency they should not even exist. Its fake and a scam on XXXX  people
Product: Checking or savings account

On XX/XX/XXXX I started an ACH Transfer from my bank accoun in XXXX to my girl PNC Bank for {$600.00}, same day they rejected it and charged me {$25.00} overdraft fee for a automatic payment I was not expecting, even when we supposed to have a overdraft protection. I deposited {$450.00} and my girl write a check from XXXX because we join that bank account to be deposited in PNC again, in her bank account for {$570.00} on XX/XX/XXXX and it was rejected the same day even when the money was available. On XX/XX/XXXX, the banck charged us the same check and the same ACH transfer agian, my girl received {$570.00} from the check but not the ACH transfer and they charged us {$25.00} dollars again for overdraft. I went to XXXX branch, explain what was happening and they told that it was to late stop the transaction, they reversed me the {$25.00} over draft fee and requested to remove that over draft protection it was not covering any over draft but I already wrote 3 checks, 1 for {$100.00}, 1 for {$150.00} and the last one {$200.00}, the 2 first ones was rejected and I eceived again two over draft fees for {$25.00} each one. After 7 business day, today XX/XX/XXXX we still waiting the {$600.00} in my girl bank account or reversed in our bank account in XXXX. They told us that PNC bank have the money, sent me a proof that the money was sent it. We went there and they said they don't have that transaction on their records, so now XXXX and PNC are traying to pass their responsability and nobody know where is my money. I am receiving late fees because I couldn't pay my bills plus the overdraft I am receiving so I don't know what to do. Please hlep us!
Product: Mortgage

During COVID, my uncle fell ill and has since been moved to a facility to assist with his medical needs. During his XXXX XXXXXXXX, the family was not aware of the situation concerning the mortgage of the home that he was living in. The home that he resides in is Estate property that he has been managing since the death of my grandmother ( 5years ago ). We became aware of the default on the mortgage after he went to the facility when I read the foreclosure and notice of sell in the local paper. 
We immediately started attempting to contact the Attorney listed on the notice who said " anyone could pay the bill '', but no one could guarantee that this would stop the pending sale. We have tried to call the bank, but they continue to tell us that only the " authorized '' person on the account could speak with them. This caused confusion because the account is assigned to the " Estate of the deceased ''. The bank wouldn't tell us who the " authorized '' person on the account is and continues to stonewall phone calls to handle the matter of the mortgage. After we called the attorney, they said the sale was delayed due to the COVID moratorium and would be rescheduled for XX/XX/XXXX. We have tried every option to communicate with the bank and the attorney to settle the account, but have been denied any level of details about the mortgage. Their only interest is in selling the home that has been in our family for years instead of working with the family to prevent the sale to an outsider. We are willing to settle the balance, but no one ( the bank or attorney ) will talk to us about the balance details. PHH Mortgage and XXXX XXXX XXXX are trying to steal the home away from us during the pandemic without offering any options to help my XXXX uncle or family prevent the sell. The penalties, interest and fees continue to accumulate to benefit no one but the mortgage company and the attorney 's office. There was only a very small balance remaining, but now the attorney and bank fees have almost doubled the amount of payoff. This should be illegal and unethical. We have been attempting to get details concerning the account for the past 2+ months with no success. The bank has just been delaying speaking to us until the end of the COVID moratorium and now we have only days before they try to sell the home. If we could get more information about the payoff balance then we would be able to move forward, but at this point we don't know the status of the insurance, taxes, mortgage balance, etc. so it's difficult to work with a bank whose only goal is to sell the home and not work with the family/homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my kickoff account because I was paying it an it was saying it wasnt getting paid so it was bring down my credit so I closed it with the company because it was false and its not showing closed it still being down my credit but not letting me in the account to pay
Product: Credit reporting or other personal consumer reports

Credit acceptance closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the Covid money started going out in XXXX in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One accessed my XXXX credit report without my consent : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX
Product: Mortgage

My mortgage was originated in 2006, so I am covered by the provisions of the Homeowners ' Protection Act of 1998. Under the provisions of that law, a lender is required to cancel any Private Mortgage Insurance payments ( PMI ) when the principal balance on the loan reaches 78 % of the original value of the property. My balance has reached 77.9 %, and I have requested that the lender ( Bank of America ) strike the PMI payment immediately, as they are required by law to do. But my request has been met with obstructionism. The lender wants me to pay them for a " property valuation '' so that they may " determine '' whether or not to cancel the PMI. The law allows NO provision for the lender to consider a decline in property value, even if one had occurred. The unambiguous language of the law states that they are required to cancel the PMI at this point ( provided my loan is current, which it is ), and there should be no discussion. If Bank of America continues to assess me a PMI payment beyond this point, they are in clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit card or prepaid card

I pre-paid my XXXX Parking with my Chase Credit Card and the XXXX employee ( XXXX XXXX told me lot was full and sent me to Lot B. Then when I tried to leave I was locked in their lot and can't find a human being working there for XXXX. XXXX 's XXXX XXXX XXXX is a firetrap!!! What if there is a fire??? You have no employees working in your lot!!!!! I could not get out except to pay for my parking space twice. I prepaid for my space weeks before my trip. This is how you treat your customers. Lock him in the lot with no way to get out of your firetrap parking lot??? 

I pre-paid parking {$110.00} and then they charged me another {$180.00} to get out of thier firetrap parking lot. Chase did nothing to help the consumer. They are too busy helping billionaire child molesters like XXXX XXXX. They don't want to help the consumer. 

See attached back-up. I am reporting Chase and XXXX to CONSUMER FINANCIAL PROTECTION BUREAU. They are rip off artists. You can call me at XXXX to resolve this. Look at your receipt - NO XXXX TELEPHONE NUMBER. NO WAY TO CONTACT XXXX IN YOUR FIRETRAP OF A PARKING LOT. You are putting peoples lives in danger!!!!!!!!!!!!!!!
Product: Debt collection

I do not have written correspondence from this collector, nor notice from them regarding this matter. 

Amount Due In Question - I received more than XXXX different amounts, when contacted by the creditor, about an amount being due, which also differ from the {$320.00} which was reported by the collection agency. 
- Ledgers provided from creditor include handwritten entries and charges which were added after the date of my move out Prior to this becoming a debt, several attempts were made in XXXX to resolve with the creditor including : -Email to property manager inquiring of security deposit refund -13 calls made to property and billing department which were unanswered and unreturned. 


Attempted Resolution With Creditor ( Prior to Debt ) Amounts owed and outstanding were to be sent via mail to the forwarding address which was provided to Creditor. Per the lease agreement, this would occur within 30 days upon move-out ( my move out date was XX/XX/XXXX ). Upon move-out, the property signed my move out forms, and I was not aware or notified of any balances being due. 

I had not received correspondence of balances due, nor did I receive my refunded security deposit. Because of this, I reached out to the Creditor directly via email ( first email sent XX/XX/XXXX and no response ) and multiple calls. I did not receive a response on any of these attempts. 
Communication regarding any outstanding amount was not received until almost 2 months later. This included amounts that were charged to my account after the date of my move-out. 

After several attempts to resolve, I contacted an attorney ( XX/XX/XXXX ) who further advised that this was a landlord-tenant issue, and that Creditor was in violation of the lease agreement. 

Had I been notified of past due amounts- whether upon move out or within the 30 days of moveout - I would have immediately paid this amount. 

It was not until I reviewed a change in my credit report that I had knowledge of this being submitted as a debt, or that the debt was with the Collection Agency reporting it.

This has not only negatively impacted my credit score, but also has halted my husband and my plans to submit loan applications in the near future. In neither case did XXXX nor this Collector provide me with proper forms of notice. I feel it would be very unfortunate for any consumer to be penalized for a business negligence. Not only was I persistent in attempts to resolve this prior to being submitted as a debt, but I have no written correspondence from this Collector. I make every effort I can to pay my accounts on time, and have done so consistently because keeping my credit in good standing is extremely important to me.
Product: Debt collection

I have been receiving harassing phone calls at my place of employment. The multiple callers refuse to disclose the reason for their call ; have been rude to other staff in the office ; and have been asking inappropriate and personal questions about me. This is now jeopardizing my continued employment at this firm. I have been placed on probation because of these continuous disruptive phone calls. In running a search of the phone numbers left for a call back ; I have been able to identify the company as " National Credit Adjusters , LLC '' with an address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KS XXXX. The phone number is XXXX XXXX XXXX and the extensions vary, XXXX, XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00}, XXXX Date XXXX Opened : XX/XX/XXXX Balance Owed : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry on my credit report that I did not authorize. According to 15 U.S.C 1681 section 602 A, I have the right to privacy regarding inquiries made into my credit history. Furthermore, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions.

I have attached copies of the letters outlining these rights for your reference.

I request that this unauthorized inquiry be promptly removed from my credit report.

Thank you for your attention to this matter.
Product: Mortgage

This is the second time that I purchased a home and had PHH mortgage as the servicer. The first time I ended up ( forced ) refinance just to leave them for fees that were inaccurate. I am a XXXX XXXX, and my taxes are {$0.00}. so, my escrow should only consist of my insurance which is {$3300.00} annually. I had an annual trash bill if {$580.00} which is not a part of my escrow that they are trying to add to my escrow. My principle payment is {$750.00} and my interest payment is {$1600.00}. They sent me a new payment amount of {$2700.00} which is exceeding what my monthly payment should be including a one twelfth of the insurance escrow. They also paid out XXXX insurance payments from my escrow for 2023 stating that they had to acquire insurance on the property. 1 ) no one ever notified me that the insurance was dropped at the time it was allegedly dropped. 2 ) As soon as I was notified that the insurance was dropped, I acquired insurance. 3 ) PHH never provided proof that they obtain coverage when they weren't even notified for months either. They just tried to bill me from the date that they were told the insurance was dropped. They can not LEGALLY charge me for a service in retro that they never acquired. How can they charge me for retro insurance when they didn't even know that the insurance had dropped either. The insurance company didn't notify either of us. My previous mortgage they tried to increase my monthly payment stating that the escrow was increasing. I contacted my insurance company who informed me that it wasn't, and my insurance had dropped to {$0.00}. I asked them how they came up with this number and after months of back and forth they issued me a refund of my escrow tax and dropped the payment down. I didn't trust their tactics, so I refinanced to get away from them. I purchased another home and ended up with them as my servicer and here we go again. I should be getting a refund of the tax escrow that I have paid for the 2023 year when in fact my tax bill is {$0.00}, but now they come up with this retro insurance scam. I will probably have to refinance at a higher rate just to get away from them which is unfair. This is ridiculous and no one should have to go through this. When you call you get people from other countries who don't speak English well and spend the phone conversation just saying, " I apologize '' and doing nothing. The last time this happened with the previous loan, they took almost 6 moths to issue my refund and correct my payment amount. In the meantime, they are receiving interest on my monies that I can't access.
Product: Credit reporting

To whom it may concern, I am having problems with Equifax. There is a lot of information on my credit file with Equifax that is not mine. I am a victim of identity theft therefore I have a lot of fradulent accounts and information that is not up to date. I have XXXX fraudalent tax liens from the state of alabama iternal revinue service. They are XXXX State income tax accounts that are fradulant and are not mine. I have disputed this accounts with the proper documention from the state of alabama that I have sent to equifax and equifax do not want to remove those XXXX negative accounts which are public records. I have attached the documents which i believe can make those XXXX negative fradulent accounts be deleted from the equifax credit file. I have contacted XXXX agencies and they tell me that they have done everything they can. Equifax wants specifics and The state of alabama does not want to rewrite any letter to me or equifax which equifax wants numbers and for the letter to say that those accounts need to be removed from my file. The state of alabama put out that public information and now those XXXX fradulent tax liens have been terminated, canceled, and released the tax liens previousliy filed against me. Please help
Product: Debt collection

Portfolio Recovery calls daily, usually multiple times per day, regarding a stranger 's debt. Sometimes they leave a message, sometimes they do not. This has been going on for years.
Product: Debt collection

They opened a membership in my name with XXXX and charged amounts to these companies : Afni, Inc {$1400.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$490.00} Opened XXXX XXXX, XXXX U S DEPT OF ED/XXXX {$1200.00} Opened XX/XX/XXXX This whole membership under my name is fraud. All charges to my name were not confirmed by me. There are different addresses and numbers registered as well.