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

I have a current complaint with this same company # XXXX. Now they have created another problem for me. On XX/XX/XXXX they sent me this message in an email : Hello XXXX XXXX, Your bank account ending in XXXX was re-added to your PayPal account on XX/XX/2020 at XXXX PST. If you confirmed this bank account when it was originally added, it will be reconfirmed automatically. If not, please log in to your PayPal account and confirm your bank account details. You must confirm your bank account to use it with your PayPal account. Thanks, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page. 

I have little idea what is going on here but I do not want any bank acct linked to my paypal account unless it is at my direction. I dont believe I ever had the acct mentioned linked so I have no idea what they are talking about. I need paypal to undo any actions like this they have taken. And I need them to respond and take action related to my original complaint so I can access my funds and take care of any other issues. I need access to their company not just a website that does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Tower loan company trying to collect a loan that I have no idea about. I informed them and they sent a form for me to fill out which they can do an investigation to see who actually cash out the check. I didn't receive any information from Them again only to know they ve sent to to credit report and now it showing on my credit. I have no idea what loan they are talking about. I never received any check from them.
Product: Credit reporting or other personal consumer reports

CFPB Complaint XXXX TransUnion fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb XXXX
Product: Credit reporting

Dear Sir/Madam, I have placed a security freeze on my credit report with all XXXX credit agencies. Now I need to buy a house so I asked for a temporary unfreeze the other XXXX credit agencies agreed however Equifax did not. I am unable to unfreeze my account. When I try to unfreeze either online or on the phone Equifax says that my address is not correct. I have tried all the address that I have lived in USA. I then obtained my credit report from Equifax and then tried to unfreeze using the address that Equifax has on their very own credit report. And yet I am unable to unfreeze my account. I then mailed them all my details including the pin I was provided when I freezed my credit account along with a check and credit card number tocover any fees. Yet they have not unfreezed my account. I am unable to buy a house because of very poor consumer treatment by Equifax. There is absolutely no way to unfreeze my account.
Product: Debt collection

Ive never received any mail for this bill and it been on my since 2018 All I received is a call from a debt collector
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. It has come to my attention that account has been opened in my name without my knowledge, consent, or authorization. This account was fraudulently established by an individual, entity, company, or corporation, exploiting my credit for their personal gain. I had no involvement in the creation of this account, nor did I provide any authorization for their use. As a result, my credit report has been negatively impacted due to fraudulent activity that I was not a party to. I respectfully request that this account be promptly removed or blocked from my credit report. I also request that your institution take the necessary steps to prevent any further damage to my credit file and protect my identity moving forward. It is critical that my credit report reflects my true credit history and not this fraudulent account, which have the potential to severely damage my financial standing. 

To support my claim, I have enclosed the following documentation : A copy of my FTC Identity Theft Report A copy of my government-issued ID Proof of my current address XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the apple credit card and they denied me which is very unreasonable I meet all of their qualification for the products. my income is high and they declined me with XXXX reasons.
Product: Mortgage

On XX/XX/2019 I received a hardship application from PNC. They gave me until XX/XX/XXXX to complete and return application with all documents required. I have submitted the application in time - on XX/XX/2019. Come to find out Ive been getting mail & phone calls from random lawyers & realtors that my house is up for sale. How is this possible that my home is up for sale if they havent reviewed my application yet?! 
And I feel like a ping pong ball because the person who was handling my case at PNC - XXXX XXXX said she would be working with me and Ive been communicating with her via email and come to find out, my case has been forwarded to someone else. I havent gotten a phone call. This has been very deceptive. PNC sent me a package and a date that I had to reply by and I did. 
This is an unfair mortgage practice that has gotten XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  & other services such as XXXX XXXX XXXX and XXXX  XXXX XXXX for their bad practicing to send out loan modification packages and at the same time put our houses up for sale without a full review.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the bureaus did not remove them. 

Sec. 602 States " I have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Prepaid card

I purchased this card at XXXX and tried to register the card. The representative indicated I had to send information with my name, social security number, and address. I need to send this information to use my card asap.
Product: Checking or savings account

A couple weeks ago I lost my wallet with my social and debt card in it. 3 weeks later it was fraud found on my bank account.
Product: Payday loan, title loan, or personal loan

I tried to link my banking account. PNC denied that option. That's my personal right.
Product: Checking or savings account

I was charged a {$35.00} overdraft fee by Wells Fargo for not enough funds in my checking account and a monthly {$10.00} fee bc I am over the age of XXXX.
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 ( CFPA ). 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 proceed was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 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

In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX, # XXXX - XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, # XXXX 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 furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to TELERECOVERY. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of XXXX  days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize enquiries, neither did I authorize them and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or discard the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband, XXXX XXXX and I paid off our Wells Fargo Home Equity Line of Credit Loan ( HELO ) in XX/XX/XXXX. I have repeatedly asked Wells Fargo Home Mortgage and XXXX to update my credit report concerning this account. I filed disputes with XXXX in XXXX and again this month, XX/XX/XXXX requesting to update my credit report to reflect the HELOC Wells Fargo account is paid in full and on-time. I reached out to Wells Fargo by phone this month XX/XX/XXXX ( once again ) to help correct this credit reporting error. 

I received documentation by email this month, XX/XX/XXXX from Wells Fargo Home Mortgage showing that HELOC account has been satisfied. The document shows the lien was reported to my local county and the lien was removed from my property. I requested that XXXX investigate and confirm that this account is, indeed paid in full and fully closed by Wells Fargo Home Mortgage since XXXX. My request has fallen on deaf ears for years. This false and inaccurate information has been continuously kept on my XXXX Credit Report for years causing great damage to my credit score, and financial damage preventing me from acquiring favorable interest rates for much needed home repairs and from obtaining college loans for my children. My house is almost paid off and I have been PREVENTED from applying for a new HELOC loan by this credit reporting error, and also the beneficial credit score rewards of paying off both my former HELOC loan and over 86 % of my house mortgage. 

XXXX knows that I have an excellent payment history for many years with all of my creditors. Yet, my credit score remains in the extreme low XXXX XXXX for YEARS due to many errors that they REFUSE to fix. How can my score be so low after nearly paying off my house since XXXX ( approx. 1 year left of payments ), and fully paying off a {$29000.00} HELOC in XXXX, and no missed payments for all of my other creditors? Why do I always have the extreme low XXXX 's credit score? ERRORS! 

This will be the last time that I will ask for XXXX and Wells Fargo to get together to correct this major error that has been ALLOWED to damage my credit, my personal finances, my family 's ( college ), and my home ( needed repairs ). The next complaint will be higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act mr. Cooper account XXXX XXXXXXXX, has violated my rights.

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 an 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: Student loan

After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}
Product: Credit reporting or other personal consumer reports

Checkr is a third party business running background checks for other companies. In my case, they ran a background check on behalf of XXXX, XXXX but did not provide accurate Motor vehicle report. I have contacted Checkr on several occasions through multiple emails and phone calls but I have not gotten a resolution. My issue with Checkr is a section of the report that indicates my previous license from State of Nebraska is/was suspended. However, my NE driver 's license has never been suspended. There is part of the report that shows XXXX XXXX XXXX and Checkr is reporting this has SUSPENSION when in fact it means I legally surrendered the Nebraska license in order to obtain Texas License. The NE DMV abstract indicates this under withdrawals and clearly States that my license was transferred to Texas on XX/XX/2023. Checkr has failed to resolve the issue even after I provided them with an abstract I obtained from Nebraska DMV. My account with XXXX, XXXX was deactivated and as a result, I have suffered a major loss of income and undergone mental pressure due to Checkr failure to provide accurate information and failure to resolve the problem. Checkr has failed to acknowledge an abstract I obtained from Nebraska DMV which I was directed to by NE DMV official and has also failed to request accurate DMV report from Nebraska DMV. I gave Checkr 30 days to resolve the matter but has since been over 6 weeks and no solution. It is my request that Checkr provide an accurate reporting so I can reapply for my account to be reactivated. Please reach out to me if you have any questions. 
Thank you
Product: Credit card or prepaid card

I received a debit card in the mail that I didnt order and your agent on the phone posited that it is for unemployment benefits but I am 100 % employed so not sure what I can do to stop this. Usbank does not allow you to talk with a person they send you to their website and their website is very basic and doesnt let you do anything. I still dont know what to do to stop this card
Product: Credit reporting or other personal consumer reports

there are a couple inquiries in my profile i do not reconize 1 XXXX XXXX XXXX 2 XXXX XXXX repor XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX repor XX/XX/XXXX 5 equifax morgage solut XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX 7 XXXX XXXX XXXX
Product: Debt collection

This company Radius Global Solutions keep texting me threatening me saying the gon na sue me and garnish my wages if I dont call them
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX - XX/XX/XXXX My forbearance scheduled to end on XX/XX/XXXX, I have been calling 3-4 times a week and have received multiple different answers from Lakeview Loan. 
XX/XX/XXXX - XX/XX/XXXX - told was eligible for extended forbearance but never happened - XX/XX/XXXX - was told my forbearance would be extended through XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX was Promised that my XX/XX/XXXX this would show on my online account - this never happened - XX/XX/XXXX was told I was " preapproved '' for a COVID modification with no documentation and that I was not eligible for an extension, said no follow up by me was needed and they would contact me within 7 days to discuss. This never happened - XX/XX/XXXX called to ask for update there was no update and modification was not started - XX/XX/XXXX asked for recordings of all my discussions because I have received so much incorrect information - was told supervisor would call me back - never received a call - XX/XX/XXXX was told I was never preapproved for COVID modification, not eligible for any longer on forbearance and needed to fill out a packet for modification. Recordings of calls were never stated on my loan - was told again supervisor would call me back - never received call - XX/XX/XXXX - called again- I filled out mtg assistance packet and again asked for call recordings and speak to supervisor - neither happened - XX/XX/XXXX - was told in review for modification and no documentation on anything else, forbearance, phone calls, recordings, nothing at all. On hold for supervisor now for 40 minutes
Product: Credit card

A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from XXXX.