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

On XX/XX/XXXX my funds ( {$12000.00} ) was deposited to PayPal account that I setup and then later ( next day or less ) -24 hours from account creation, was locked and couldn't perform any actions, anything like withdraw, send, receive, purchase, add or remove bank & credit/debit card information, or anything at all. 

They ( PayPal ) sent me a notice to submit various documents to " un-lock '' the account. I complied and submitted all correct and accurate documents asked. Including my ID, bank statement, mail with current address, reason for deposit and funds, etc. Then, they would review information and unlock account in 24 to 48 hours time. 

However, after complying with PayPal 's requests my account got permanently locked and unable to use service ever again and that I could receive a email with the information on how to withdraw my funds being held in 180 days time. On XX/XX/XXXX ( over the +180-days time ) I tried and was not successful in withdrawing my funds. 

I still am unable to do anything after a phone call to PayPal attempting in every way to resolve this issue. I am not able to withdraw funds currently despite being told to wait the 180 days and I'd be given access to my funds they reassuredly advised me, yet have not to this day. To me this is theft of funds and deceitful public consumer practices that should be unlawful due to the amount of damage caused to financially, physically, and not to mention emotionally. Of which they thrust on individuals who use their service without public consumer choice or any other available options to decline or any other choices period. 

I have lost several things due to not having any access to my funds and my current credit worsens plus other things are due to loss and will lose, because of the denied access to my funds still after complying with every demand given by PayPal. Currently given only option to now be told to wait indefinitely while financial debt mounting up on me and no means to pay debt due now due to my funds being held for a non-senceful excuse nor reason which is solely determined by them and apparently no available actions for me to take to get or receive my own funds!! Please help me!! 


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

Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called TRANSUNION rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name TRANSUNION LLC is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
TRANSUNION LLC refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

TRANSUNION is unlawfully furnishing Account # : XXXX DEPT OF EDXXXX, and is the only CRA reporting this inaccurate information.XXXX  and XXXX has deleted DEPT OF ED/XXXX item from my consumer report. TRANSUNION has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, XXXX has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Product: Mortgage

My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX Transunion, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate XXXX XXXX ACCOUNTS FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AUTO XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from my credit report.
Product: Debt collection

I contacted a debt Collector radius global solutions XX/XX/XXXX about a collection account that was put on my credit file that morning for the amount of {$620.00} to find out what it was for and that had told me it was for a passed due XXXX  that was in my name and I tried to explain to them it was not my account but they neglected to talk about anything with me. The bill belongs to my ex wife that had opened a account after we spilt part and got divorced in XXXX of XXXX and that I wanted to dispute it for fraudulent activity and that the bill did not belong to me. So I filed a dispute using XXXX and they updated with no change saying its mine I want this off my credit and out of my name as it does not belong to me and Ive never had a XXXX  account in XXXX or XXXX
Product: Credit card

This is a follow up to complaint number XXXX. As summary, I applied for GM Business credit card a few times, last of which was on XX/XX/XXXX. After every application, I was asked to upload my ID which I did. Every application was declined and the reason provided was " Unable to verify identification information ''. Following up with phone agents was unhelpful. 
Obviously I have an identity! Every financial institution, government agency, employer, etc. who I dealt with have never had any difficulty verifying my identity. Therefore the source of problem is the existence of my identity, nor its verifiability. Then the question is that what causes the Goldman Sachs ' alleged " inability to verify the applicants identity ''? 
What part of it they can not verify? What is the problem they have in the identification process? How can this be resolved?
Product: Debt collection

I recently noticed that National Credit Adjusters has placed a collection on my credit reports. This is a debt that I DO NOT OWE and is not mine. This alleged debt was recently removed when it was owned by XXXX   XXXX. I am sick and tired of this debt appearing on my credit reports and tarnishing my credit worthiness. Neither of these companies have provided proof that I owe this debt because IT IS NOT MINE!!!
Product: Debt collection

I rented a car with XXXX back in XX/XX/2021. I booked through XXXX, and paid for the care when I picked it up with my credit card. I returned the car after 2 days.. I recently received a letter in the mail saying the bill for the car rental went to collections. XXXX sold it to JNR Adjustments. They never notified me they were sending it to collections or anything. I called them to let them know I did in fact pay for this rental. They said my bank pulled the money back in XXXX. My credit card company, XXXX assured me that while they did pull back money from certain merchants due to a fraud investigation on my account, they rebilled the money back to all merchants that were valid transactions, including XXXX, and are mailing me the supporting documents. They are mailing me the bank statements that show the transaction for this XXXX XXXX did indeed go through, and I had already paid the balance off with XXXX, as I closed the account in XXXX. Per XXXX, I should get those statements in the mail in 7-10 business days. After speaking with a representative named XXXX at XXXX billing department again, not only were they incredibly dismissive, but did not follow through on my request to have a supervisor call me back, when I gave my call back number. Every time I called XXXX customer service, I waited anywhere between 1-2 hours for a representative to answer, only for them to have to transfer me to a supervisor, which caused another 1-2 hour hold. Finally, they told me there's nothing they can do since they sent the debt to collections, and I have to speak with the collection agency. I am extremely upset with how XXXX handled this. I am in the process of getting a student loan to do my XXXX program, and this would have completely ruined my chance. This will devastated my credit score, and me as well, if I wouldn't be allowed to take out my student loan. I am writing to you in hopes that this will be rectified, and does not happen again to anyone in the future. It's upsetting that this is my experience with my first ever rental from XXXX.
Product: Credit reporting 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.

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 whi
ch 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: Mortgage

Mr Cooper failed to pay insurance premium of approximately {$2100.00} to XXXX XXXXXXXX XXXX and XXXX. Insurance was purchased through a broker. After making 2 phone calls that were ended by Mr. Cooper call center prior to finishing the conversation, I spoke to my insurance broker. My insurance broker said that Mr. Cooper reached out less than a month from the payment due date for XXXX requesting policy information. The insurance broker provided the information prior to the due date via the online portal provided by Mr cooper. The policy numbers were then visible on Mr coopers online portal prior to insurance expiration. However, the insurance premium was never paid and therefore lapsed. Mr cooper denies receiving insurance policy in order to pay despite the policy number being assigned to the mortgage escrow online. Mr cooper is now attempting to forced place insurance for the lapse and denying fault. Force placed insurance is likely to be 6x the cost of previous policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act .the following accounts have violated my rights. 

! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) portfolio recov assoc account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Product: Debt collection

LVNV has appeared on my credit report for alleged debts owed. I have written multiple letters requesting validation of debt, including original contract, signature, amount owed, etc and they only respond with summary of what is already on the credit report, no real information, nor the information requested. Additionally I was surprised with a wage garnishment from one of them when I had NEVER been given a dispute opportunity much less the opportunity to go to court and dispute anything or even ask for proof of debt in court which I am confident they can not provide!! To make matters worse since the garnishment was put in place they are still reporting to the credit agencies late fees, interest etc and total is increasing regularly. I have now paid almost the entire thing off via garnishments and they are not reporting said payments, only increasing the amount. 

The garnishment paperwork sent to my employer also required them to send over my bank name, account number and routing number which they even said in 30 years they have been doing garnishments, they had never been asked for. I have written, called and emailed LVNV, the lawyers in OK handling the case asking why I was never informed, asking for proof and wanting to know why my personal bank information was required to be shared and I can not get a response. 

I feel like my hands are tied since it already went to court without me and I am already being garnished but can not help but feel they are doing alot of illegal activity or at the very least immoral. None of the rules have been followed, my personal banking information has now been shared and none of my payments on this alleged debt are being reported. 

Since this has taken place it appears as though LVNV is now on my credit report a total of 3 times, 3 different amounts reflecting due with 3 different account numbers. I have written them ALL requesting the validation of debt with contract, signature, etc and have gotten nothing back. How is it they have so much power and can do so much damange and not be held accountable and still be in business as shady as they are and we have so very little power to do anything about it? Not everyone can afford lawyers to fight these times of things.
Product: Prepaid card

I bought this card on XXXX XXXX worth XXXX XXXX  when I wanted to use it has XXXX balance, how? Because I never used this card, I complained to incomm and afterwards they sent me an email that they require the receipt and front and back of the card which I sent and they confirmed receipt on XX/XX/ and told me to wait 30 days,, 30 days has gone and nothing has been done, Im not filing a dispute Im logging a complain about a fraud of card with XXXX balance, I will be suing incomm after this, because this is the second time Im raising this case, I will also attach all proof to this case, A RECIEPT IS A PROOF OF PURCHASE ANYWHERE IN THE WORLD
Product: Money transfer, virtual currency, or money service

A deposit was received into the account and a transfer was initiated to a bank account. The transaction wasn't successful on either end, however it wasn't returned to Venmo to be able to retrieve it using a different bank account and the funds are in limbo. Venmo has refused to revert the transfer, and assist to resolve the issue.
Product: Debt collection

This is updated information! I've contacted this company numerous times to report identity theft, this account is not mine. I submitted a FTC Identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax through certified mail and answered back on XX/XX/2019 with a statement saying that they could not locate my credit file even though i sent all required information and copies of SSN and Driver 's License. And on another line said that i supposedly sent them a " XXXX XXXX Only card '' when i clearly sent them a huge XXXX color copy. Then i sent them an even bigger copy of my XXXX and came back on XX/XX/2019 saying that the documents provided were illegible even-though i sent them the same documents with a bigger copy. So first they couldn't find my file and then they couldn't read my documents even though everything is typed and copies clearly visible. They are Obviously trying to violate my right as a consumer to investigate information on my credit file. They are wasting my time and money with ridiculous and petty actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXX XXXX  XXXX. 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including SSN. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment Im very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Product: Checking or savings account

I made a deposit into my navy federal account. They said the check was fraudulent. The money is still in my savings account 2 years later. They will not release my funds. The amount still in my savings account is {$910.00}
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. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX 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: Debt collection

I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX  XXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate.

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately.

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

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

I would like some intervention because TransUnion is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : XXXX XXXX XXXX XXXX is reporting this account as paid. 
TransUnion is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!