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

On XX/XX/2021 I got a mail from PayPal having the subject line : We need some information regarding your PayPal account ( Ref ID - XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. 

On XX/XX/2021 I provided them the requested documents that included supplier information and invoices and tracking numbers for some transactions. I also made a call to them and told them that we are the XXXX  also and I have been assured on a call that it is a routine thing and it will be resolved once the information is provided. 

On XX/XX/2021 I got an email with the subject line : You can no longer do business with PayPal ( Ref ID - XXXX ). 

On XX/XX/2021, I made a call to PayPal Customer Service and asked the reason why my account got permanently limited. The representative said that she can't tell me the exact reason but it is due to insufficient/mismatch information that I provided. If so they should have asked for more or specific information rather than ending the +3 years relationship in a single go. 

I have been using PayPal for the past +3 years and the only change occurred was that I started receiving payment on behalf of my relative for an XXXX XXXX account. 

I am stuck in my native country due to COVID-19 SOP 's and doing the business from here. 

no explanation, no resolution to fix the permanent limitation they placed on my account. How is that even fair that they are holding my 7k+ funds till 180 days. I need to pay my employees and suppliers. 

I am happy to make changes in my business model if I only get some specific information about what triggers PayPal to limit my account permanently. 
Either I need my account to be restored or I need my funds to be released ASAP! 

Waiting for the timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

THIS NOT A DUPLICATE XX/XX/21 I just received in the mail today another Visa Debit Card ( XXXX XXXX  ) with a different account number from Cash App - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit PLEASE NOTE : ON XX/XX/21 I HAVE JUST FILED A COMPLAINT # XXXX WITH CFPB FOR THE SAME COMPANY SAME CIRCUMSTANCE BUT DIFFERENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent Commonwealth a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, Experian and XXXX requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. Eperian and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section2 : 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, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation according to the FCRA, from my Certified Letter Request in XXXX and XXXX, XXXX. ( 1 ) They ignored my request for a Re-Investigation, ( 2 ) they failed to provide their Method of Verification ( including the real name, address and phone number of the furnisher ) after I requested it, ( 3 ) they are willfully and recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error ( 15 USC 1681 s-2, Responsibilities as a Furnisher of Information ), and ( 4 ) they have failed to notate my account or furnish the Required Disclosure, within the period of time required by law, that an item on my credit report is under dispute, i.e. Notice of Dispute after a creditor or debt collector has reported the dispute ( FCRA Section 623 ( a ) ( 3 ). 

Also, they have violated my rights as a consumer even more. In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my Consumer ( credit ) Report. 

The Credit Bureaus stated that my accounts were property Investigated, but how is this possible when the information ( including account data ) contained in each of the three major Credit Bureaus is not the same ; the date opened is Inaccurate, the date of last activity is inaccurate, the account status is inaccurate, the date last reported is not accurate, the balances and credit limits are inaccurate. This is a violation and is grounds for immediate removal. 

They also violated the Law because according to 15 U.S.Code 1681 section 602 ( A ), it states that I have the Right to Privacy. And 15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also stated that a Consumer Reporting Agency can not furnish an account without my written instructions. I did not give anyone written instructions. 

These Accounts are Inaccurate, Incomplete, Unverifiable, Unfair, Erroneous Creditor Account Name * Account Number * Error / Inaccuracy or Violation XXXX  XXXX XXXX Notice of Dispute Violation XXXX XXXX Notice of dispute Violation XXXX XXXX  XXXX XXXX Notice of Dispute Violation XXXX  XXXX  XXXX Inaccurate Open Date XXXX  XXXX  XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Date of Last Activity XXXX XXXX XXXX Credit Card XXXX Notice of Dispute Violation XXXX XXXX XXXX  XXXX. XXXX Notice of Dispute Violation XXXX XXXX XXXX High Balance is Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX High Balance is Inaccurate XXXXXXXX XXXX XXXX XXXX XXXX Notice of XXXX XXXX XXXX XXXX XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX XXXX Inaccurate Date of Last Activity XXXX XXXX XXXX  XXXX Notice of Dispute Violation XXXX XXXX XXXX XXXXXXXX Notice of Dispute Violation
Product: Debt collection

I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the XXXX XXXX XXXX company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older Green tree and associates Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/year> A loan by XXXX OF XXXX XXXX that I did not authorize or consent to is on the Equifax, XXXX, and XXXX credit reports, the current reported amount is {$20000.00}. I contacted XXXXXXXX XXXX XXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXX XXXX the credit reports.
Product: Credit reporting

In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.
Product: Checking or savings account

I have XXXX accounts with Truist Bank, Formerly Suntrust Bank. XXXX is a mortgage the other is a checking account. During the merger I can no longer access my checking account online. My mortgage account is there but not my checking account. I can't move money around, get my balance or use a debit card. I have tried calling Truist Bank, on hold for hours, gave up. Went to branch offices, wait time was an hour to see someone. Went to another branch office after speaking to a person, she was able to access my checking account and print out a copy of my last statement. This took her 20 mins. She did not have the ability to fix the online access. So if I want to find out how much or if there is any money in my checking account I would have to go to this branch office, wait for 30 or 40 minutes to speak to someone to have them tell me whether or not I am overdrawn, low balance or no balance. I have moved most of my money to another bank, but since I am never sure of exactly how much is there I can't close this account. Truist has got to be the worst bank I have ever dealt with. 
I am XXXX XXXX XXXX and don't need this XXXX.
Product: Mortgage

I have requested reinstated for behind amount on XXXX/XXXX/2015 and Lender told me that it takes 5 business day to give me reinstatement amount. However, until now as of today XXXX/XXXX/2015 they did not give me the reinstated amount and told me my house will be foreclosed on XXXX/XXXX/2015. I could not understand distress homeowner will be treated that way while the lender see my house has equity and want to foreclosed it to benefit them
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed 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 ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

STUDENT LOAN UPDATE : XXXX MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. 

PER XXXXXXXX XXXX DATA BREACH AND VIOLATING FERPA AND FCRA. 
PER PRESIDENT TRUMP, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.
Product: Mortgage

I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. 

The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. 

I need to do whatever I can or get whatever help I need to stop this. 







PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT PROFILE. THE DATE OF ALL INQUIRES LISTED ON REPORT ARE THE SAME ( XX/XX/2022 ) XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/2022 XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

IC system put to hospital debts on my credit trying to remove it but it's a third party.ic system is the third party
Product: Debt collection

I am writing because of a XXXX account with capital one XXXX. acct # XXXX I have never owned a car, and it was brought to my attention my husbands account was on my credit report. The account was charged off over XXXX years ago meaning capital one received full credit or tax credit, discharging the account. I have reached out to capital one to ask them to stop violating the fair credit reporting act by not validating the alleged debt as requested. Capital one needs to remove this account from my credit report. I'm in possession of the XXXX Prospectus for Capital One XXXX  Finance Trust. As we are all aware capital one does not, and did not lend money to me or any other customers. 

Remedy please have this company comply with the fair credit reporting act which requires all information to be 100 % accurate on my credit report. I want all reporting of the false debt remove from all my credit history. 

Warning deprivation of rights under XXXX of law is a crime. title 18 section 241 242 and title 42 section 14141
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and US Department of education account # 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: Mortgage

My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of  XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this
Product: Credit card

I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

none of this was me my wallets with all my information has been stolen twice and also when i lived in the apartment at XXXX XXXX XXXX XXXX my mail was being stolen and information was being used when i moved out the stuff on my report is from identity theft and i dont think its fare because i been reported identity theft and it still havent been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against Equifax and XXXX  because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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, Equifax 's 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. the accounts XXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXXT Account number XXXX, Account name XXXX XXXX XXXX Account number XXXX )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been turned down living circumstances and other financial services because XXXX and trans union XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm