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

PayPal is blocking my money from my access. Every time I try to add the bank account, PayPal denies linking my XXXX Savings account in order to use my money for themselves. This is what they intend to do and do not allow me to move my money out of PayPal. I had a direct deposit coming to PayPal and was prohibited to move my money to the Bank of my choice, which is XXXX now. The XXXX XXXX on the PayPal account is not allowed to accept the case for resolution. I tried many times to add XXXX Savings routing number and account number and PayPal just resisted to comply with my demand. I am doing the same thing on a XXXX Savings account trying to connect the PayPal account with routing number and account number and every time it states that it has failed making me look stupid or making a mistake which I did not do. 
Paypal is trying to make it look like they care about my money by denying the linking and transfers, but this is not true. There is a lot of fraud going on by removing the records of communications and not allowing the records for resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I received, from a third party debt collector called XXXX XXXX XXXX XXXX XXXX, COPIES OF MY PRIVATE ACCOUNT STATEMENTS. I NEVER authorized Bank of America to release my PRIVATE account information to anyone. This is in direct violation of several Federal laws and does not prove anything about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$34000.00} XX/XX/2015
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your i
dentity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I received a letter stating that questions XXXX were not completed, however they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/XXXX, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent.

There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported.

Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments 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  Dept of Ed? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delete the following collections and charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your cooperation
Product: Debt collection

I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my PayPal account. They used my PayPal account to make several payments. I reported this to PayPal as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the PayPal account balance was - {$310.00}. PayPal knew this was due to the fraud, but the amount got transferred to a debt collection agency : XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ). XXXX has sent me a collection notice and a bill for {$310.00} despite the fact that PayPal has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

Tj Max decreased my credit limit 800 to 600 for no reasoning as I was always paying my bill on time and actively paying down the card. Never missed a payment! Always pay over the minimum balance. Which drastically dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXXXXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX -;XXXX XXXXXXXX;EQUIFAX MORTGAGE SER and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case ** '' XXXX XXXX XXXXXXXX, XXXX, '' XXXX XXXX XXXX ( XXXX XXXX XXXX ) ** reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate. I demand that you conduct a proper investigation, remove this unverified debt from my credit report, and provide written confirmation of the correction. If you fail to take this matter seriously, I will consider pursuing legal action to enforce my rights under the FCRA and FDCPA. Thank you for your immediate attention to this dispute.
Product: Checking or savings account

On XX/XX/XXXX I made to purchases one for XXXX and another for 3 pairs of shoes. Mind you I didnt know I wasnt going to receive them. I emailed them multiple times and did not get a response back. Now I have called chime multiple times on why this is taking so long 4 months should not take that long. Its been past 30 days. I spoke to a supervisor and she rudely hung up on me. All in all I just want my money back for stuff I didnt receive. I have never had this problem before now I am if I have to further this I will get a lawyer its my money. I had the emails somehow I do not have them no more but the email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX credit card is paid off and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6700.00} Credit Limit : {$6000.00} Status : Closed/Charge off Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquirys I did not authorize I need them removed immediately from my report also reporting a ADDRESS that's not mine delete immediately from my report XXXX XXXX XXXX is not my address remove immediately And the 2 inquirys
Product: Credit reporting or other personal consumer reports

For I have deputies with credit reporting agencies deputing Navy federal credit Unions inaccurate reporting. Fraud warning has no power and damages done This has been going on for over XXXX years.
Product: Mortgage

In XX/XX/XXXX Loancare bought our mortgage which was 1 month after we closed on our original mortgage. In XX/XX/XXXX we recieved an Escrow refund after property taxes and homeowners insurance were paid. This refund was more than {$2700.00} They kept our escrow account funded with more than {$1200.00} Our Homeowners Insurance and Property taxes are approximately {$1100.00} per year total. 
In XX/XX/XXXX I called Loancare customer service and asked for a new Escrow Analysis so that our monthly escrow payments would be corrected so we are not paying a gross overpayment every month in our mortgage payment. They asked me to mail them a copy of our homeowners Insurance bill and our property tax bill which we did. We did not recieve a reply at all. 
XX/XX/XXXX I called Loancare 's customer service department and asked if I could have a new Escrow Analysis and I was told I could. XX/XX/XXXX I recieved in the mail an analysis statement which shows a projected amount for property taxes as {$2900.00} and the actual amount paid is {$300.00} I am a XXXX XXXX XXXX  XXXX Veteran and XXXX   charges me minimal property taxes. 
Loancare is charging us {$310.00} per month to fund our escrow account which only needs about {$120.00} per month. 
I would like for Loancare to recalculate our escrow payment and adjust our mortgage payment accordingly. Why they feel the need to overcharge our escrow account when our property taxes and insurance costs are in black and white is beyond me. Don't they have competent accountants? I do not need Loancare as a savings account. 
If Loancare can not correct this I will file a complaint with the XXXX and XXXX  AG. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.
Product: Mortgage

The mortgage company regularly sends a letter stating that a payment is past due. 
I have sent them proof that I have never missed a payment but the letters continue. 
For over 4 years this " debt collector '' has harassed me for no reason
Product: Credit card or prepaid card

Identity stole during driver license chhange from XXXX to now, suring the period several credit cards were opened and spent 2-5 thousands each. Also has parking citatons been sent to my address.
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 XXXXXXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX .... has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and realized that Equifax is not in compliance when reporting information to my credit report. The information they are reporting is NOT correct, accurate, and/or verifiable, and some of the information in my credit report seems to have been mixed or merged. Pursuant to the FCRA ( Fair Credit Reporting Act ), 12 CFR 1022, and the standards of their industry, all information reported by credit reporting agencies MUST be verifiable, MUST match, and MUST be accurate to ensure the integrity and consistency of the information they report. I've also requested Equifax to provide me with the agreement that bears the signature of the alleged debtor and proof of photo identification that was presented at the time of incurring these debts in order to ensure they properly verified these accounts. These errors and negligence have been causing me great inconveniences and have affected my ability to utilize my credit for personal, household, and family purposes. The referenced accounts need to be removed immediately and Id like to receive a copy of my credit report reflecting all changes made immediately. I have also attached photos of my credit report reflecting these numerous errors. 
XXXX XXXX Bank XXXX XXXX - credit card account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX - credit card account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.
Product: Debt collection

I closed my account with t-mobile and returned the equipment. I got a bill from t-mobile with a XXXX USD balance on XX/XX/2023. I disputed this bill and provided proof of the return of the equipment and also submitted a complaint with the FCC ( ticket no XXXX ). 
On XX/XX/2023 t-mobile sent me the adjusted bill showing a XXXX USD balance ( scan attached ). 

A debt collector that identifies themselves as South West Credit called me on XX/XX/2023 on XXXX XXXX XXXX asking me to pay an amount of XXXX USD that I owe XXXX. I explain that I don't owe them anything and I got an adjusted bill. I feel I'm harassed and I would request your intervention.
Product: Credit reporting

TransUnion is at it again! Since my last complaint I just filed a short time ago they have now posted a totally false collection from some company I 've never heard of before! 
XXXX XXXX {$1000.00} {$0.00} XXXX account reported on XX/XX/2017 XXXX accounts reported on XX/XX/2017 Open Account # XXXX {$1000.00} Balance XXXX XXXX MIXED CC Original Creditor {$1000.00} High Balance XX/XX/2017 Opened Date XX/XX/2017 Last Reported Individual Responsibility Placed for collection Remarks Note This is fake! I feel TransUnion is deliberately trying to ruin my credit! They should be put out of business! This whole situation with TransUnion is getting very old.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Synchrony credit card ( the Card ) to purchase what I believed to be an authentic XXXX hair dryer. I quickly realized that the fraudulent business ( the Company ) I ordered from was not in fact a legitimate company but was unable to cancel the charge. I immediately called the Card to dispute the charge and formerly filed a complaint. 

From XX/XX/XXXX through XX/XX/XXXX I followed up the initial complaint with numerous supporting documentation to evidence that this was a fraudulent Company. The supporting documentation outlines the dates of all communications and transactions, provides photos that illustrate the blatant and obvious fraud on behalf of the Company. The supporting evidence shows how the Company deceived me by misspelling the brand name, using a fraudulent email address, routing the payment vehicle through a fraudulent XXXX account, and used a federal mail service carrier to deliver an item that was without question not the item ordered. In short, and I can provide all and any evidence needed in furtherance of your investigation to support this, what I ultimately received from the company was not a hair dryer but a white nylon t-shirt, clearly used to give the appearance that an item was shipped and delivered and this is evidenced by USPS tracking numbers. 

Despite the Card indicating that it would investigate the matter, the matter appears to have been closed and on XX/XX/XXXX when the charge ( {$320.00} ) was posted and added back to my card without any notice. The Card did not alert me to the closure of the investigation, the basis for the decision or the opportunity to provide additional documentation. 

I have been a loyal customer to the Card for over ten years, paying in full my balance each month. The Cards failure to adequately and diligently investigate this matter, ESPECIALLY given the apparent and obvious nature of the fraud, is not only professionally negligent to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards negligent inaction here is furthering this illegal activity. 

Please contact me for any additional information needed to review this matter. The Card is leaving customers in a vulnerable financial situation, and action must be taken to remedy my particular matter, but also to address the negligence on the part of the Card. 

Thank you.