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

i have attempted to get the inaccurate activity removed from my account i have sent 2 letters in my 609 letter and a 30 day demand and comply no response these inaccurate information on my account is causing me distress for me and my family
Product: Money transfer, virtual currency, or money service

Please help me! Paypal is robbing me for {$2800.00}!!! 
I have created a paypal fundraiser to receive donations in order to finance my studies! 
at first I could withdraw small amounts and then all the sudden Paypal froze my account for 180 days! this period has passed and still I can not access my funds! 
Please help me I need my funds urgently!
Product: Credit reporting or other personal consumer reports

The company is in violation of my consumer rights as outli8ned under the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. ; The company has included fraudulent, inaccurate accounts on my consumer credit file making them in violation of the law.
Product: Mortgage

I had a mortgage with Nationstar initiated in XXXX, and refinanced in XXXX. However, Nationstar is now owned by Mr Cooper. Mr. Cooper can not seem to identify any of my historical mortgage documents regarding the loan prior to its refinance with a different company when I call their service representatives on the phone. They do not respond to emails sent to XXXX, which is what the customer service representatives recommend to do. 

I tried calling a Mr Cooper service representative, and he indicated that he checked Mr Cooper, XXXX, XXXX, and XXXX, and although he was able to identify the property he could not access the loan number or documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my report because the FCRA says my report must be 100 % accurate and the items are still reporting inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Address information is inaccurate on credit report and I was a victim of identity theft in the past. Would like all address removed and updated to current address
Product: Credit reporting, credit repair services, or other personal consumer reports

account never late, company admitted fault in email
Product: Checking or savings account

On XX/XX/year> my account at Wells Fargo has been compromised. I have one account with them, in addition to one CD. Multiple accounts have been opened without my consent, money has been moved from my account to those newly created accounts, and then withdrawn from ATMs. At the same time, there were 2 suspicious transactions at my XXXX XXXX XXXX account, but the amounts were large enough for the Bank to catch that it was fraud. I want to add that while all this was unfolding, my phone was inaccessible ( it appeared as only sos calls could be made )!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

Tracking number from XXXX XXXX XXXX XXXX XXXX Transunion XXXX
Product: Debt collection

I am in a XXXX XXXX bankruptcy and there are trying to collect and they are violating bankruptcy code by putting this on my credit report and trying to collect!! They need to remove this asap or I will have my attorneys handle the Problem!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX you were my account number is XXXX checking account was compromised on XX/XX/XXXX somebody stole my wallet my debit card all my files out of my vehicle my phone was stolen which had access to all my PIN numbers and all my passwords and they went to the bank and started with a mobile deposit of {$850.00} and then they went through {$100.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these were unauthorized transactions I did not authorize these at all Wells Fargo allow these overdrafts to go through up to {$710.00} they have never allowed that much to go through on an overdraft on my account ever why they put that through I do not know my pin was possibly written down on the back of my social security card that was also in my wallet to the ATM closet they had taken when I reported this to Wells Fargo I had an appointment at the branch the banker told me that they could only freeze my account they would not be able to close my account due to the underlying issues I was not okay with that so he said they froze it and that nothing was going to go in and out of my account on the 3rd they put my social security direct deposit through for {$1100.00} they took {$710.00} and made me pay for all of those fees and charges they made me pay for their mistake of overdrafting my account way above the limit when there was no funds in the account it was at a zero balance which should be on call for I've never had a problem with this Bank I've had always a good outstanding account after they took my money they close my account immediately and it's not even been the 10 days has not even been up so I paid for their mistakes of {$700.00} they lied to me they did not honor their zero protection liability and credit me back like they said they were going to be crediting me back for all reversal give me reversals of all charges and fees and then they stole my check the only income that I received from social security why are they even closing my account when they're not even finished with their tendon 10-day investigation process and number two why are they letting these unauthorized withdrawals of up to {$700.00} to go through on my account when they have never in the past allowed for my account to be overdrafted more than {$200.00} limits this is their mistake and I should not have to pay for these mistake and they should not have taken my only income that I received from social security and then they should not have closed my account
Product: Credit card

I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

For two years I have been trying to get XXXX XXXX and XXXX XXXX to leave me alone. Neither has shown proof that I owe the debt in question. I have complained to them, to the credit bureaus, and anyone else. Even CFPB. To no avail. 

I was being charged for internet services after I discontinued service because XXXX or whoever they were then, did not take account that I PERSONALLY returned the box on question. Literally. I was evicted. I did not live there and I had service with them, through my mom, at home. 

Why on earth would I keep a box, when I had a box and access to it already at home? Doesnt make sense does it. 

Now when I told them that, they told me they dont have a record. How am I to blame that they dont have a record of return? I havent had their service or that box since I moved out in 2018. They send the debt through a different company each time. It is categorically unfair they can continue to charge me, even though, they cant produce any evidence that I didnt return it. I asked them to check the cameras. I was there. I asked them to check my card the day I returned it. It was a restocking fee. They say it didnt happen. Regardless of what they are saying, I do not have anything of theirs anymore. I was in a promotional period allowing me to cancel. They are using this device as a means to get my to pay something XXXX dont owe. I refuse to pay for their error. 

Now, XXXX  XXXX is ridiculous because they refuse to discuss the matter of the closed card over the phone. However, when I went in they gave me an internal document that SHOWED the account was paid in full. I went in physically to the Uptown location in XXXX. That same day, they were robbed at the counter. I say that only to say there is a recording of me there discussing this issue with them and they admitted it was paid in full internally but since it was already submitted to the debt collection agency, it is up to them to remove it. 

HOW!?!?! 

XXXX and all the other investigator arms of credit bureaus dont investigate. They do not ask anything of the companies. They take their word and service account poorly just to make sure they have some money to be made themselves. My credit account has been frozen since 2018 because that was the only way to get them to see these occurrences are unusual. 

They removed one, of the two, separate companies asking for money for XXXX but if one didnt have a claim to the money, the other shouldnt either.

As far as XXXX XXXX, who knows, maybe they in bed together? Idk. I do know I dont owe them anything. I even mailed the document to XXXX and the others in 2018. I was told there isnt a record of anything. Yet, they responded to all other mailed in dispute forms. 

The credit bureaus should be working to help people out of these times. Not be in cohorts with the companies attempting to put low income people lower on the totem pole. This is not right.
Product: Credit card or prepaid card

I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such action.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishing, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Product: Credit reporting

I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page.
Product: Credit card or prepaid card

Never received a card its now been 6 weeks no customer service response at all. I am now XXXX   because of never receiving my card
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am formally filing a complaint against Atlantic Union Bank due to their repeated failure to communicate mandatory overdraft policies and the ineffective resolution of my online banking matter. This complaint is directed to the CFPB for immediate intervention and resolution. 

Despite my explicit refusal of overdraft services upon opening my account, Atlantic Union Bank neglected to disclose their mandatory overdraft policy, leading to severe financial consequences. However, equally distressing is their inefficacy in resolving my online banking setup. Despite multiple visits to different bank locations, I was continually met with the absence of managerial presence, resulting in wasted time, effort, and resources. A month later, I am still being inconvenienced and asked to return to reapply for account setup due to the bank 's failure to properly guide the process. 

Moreover, the banks consistent failure to inform me, at any point during my visits, about the mandatory nature of their overdraft policy is a significant breach of trust. This repeated lack of transparency may potentially infringe upon consumer protection laws, particularly within the state of Virginia. Under Virginias consumer laws, financial institutions are mandated to ensure clear and transparent communication regarding the terms and conditions of services provided, especially those involving financial liabilities. 

This is not the first occurrence where Atlantic Union Bank has displayed negligence in providing essential information to its customers. Additionally, their ineffective resolution in the matter of my online banking further perpetuates a concerning environment of misunderstanding and potential legal discrepancies. 

I am urging the CFPB to conduct a comprehensive investigation into these repeated and concerning issues, enforce corrective actions, and ensure the immediate refund of all unjust overdraft fees imposed on my account. The charges, totaling between $ XXXX, are unwarranted and unjust given the bank 's repeated failure to communicate their mandatory overdraft policy and resolve my online banking matter effectively. 

I seek not only the reimbursement of incurred fees but also a firm commitment from Atlantic Union Bank to significantly improve their policy transparency and effectively address customer concerns, in accordance with Virginias consumer laws. 

Sincerely
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

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: Mortgage

On XX/XX/24 I called to ask questions about my mortgage payment. Earlier this year I was notified after my annual escrow analysis that my mortgage payment would increase to account for shortage. Also, that my shortage would be spread over 39 months. Apparently, an email was sent notifying me of a change of policy in regard to shortages. The company will no longer extend payments beyond 12 months. I have not agreed to paperless documents from my mortgage company. So, my phone call was to understand what changed from previous escrow analysis. The customer service rep was unable to transfer me to a supervisor. Apparently, the email sent by company was to inform me of a 4-month repayment of shortage if no response was given indicating otherwise. My problem is that I never received this email, there is no read receipt from the mortgage company. It is unreasonable to default my payment of shortage to 4-months, I believe I should have been given the option to pay shortage entirely or over 12-months. I was unable to elevate my concerns to a supervisor because no supervisor was available.
Product: Checking or savings account

Navy Federal Credit Union closed my checking account after they were the ones that overdrew it due to reversal of disputes, now I can not even receive my tax return or paycheck by direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert that my credit score had changed. When I went to XXXX XXXX site I saw there was a hard inquiry on XX/XX/2021 from Citizens Bank, XXXX XXXX XXXX. XXXX, RI XXXX. I had not authorized such anything from Citizens and immediately called them. No one could help me and there was no information. I then went to XXXX  to dispute this but they said they could not make a change and that I would have to reach out to the FTC. That is why I have contacted you. My score dropped 3 points and this is unacceptable to me. Again, I did NOT authorize this hard inquiry and want it removed and also want to know how this happened. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.