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

paypal closed my accuont for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX
Product: Mortgage

XX/XX/11 I reapplied for a home loan via GUARANTEE RATE. To save a property in closing/escrow XX/XX/11 from previous complaint XXXX. After making complaints of unprofessionalism and discrimination because I asked several times for options of down payment assistance program without response or guidance. Ive completed all and very task requested of me but this company has NOT return the same courtesy to me and now refuses to complete my application or respond to any of my email requests for over XXXX hours.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I am XXXX XXXX, not that this makes a difference. I have made many attempts to get this problem fixed. Let meexplain ... back in XXXX  my bank account at citizens was hacked. Thats where my problem started. At the bank recommendation i closed the hacked account had a my money transferred to a new account canceled all my debit and credit cards. At that time citizens was suppose to setup a predetermined automatic monthly Payment to this credit card. They did not do so.. after I was notified that my credit score was affected by my credit card minoring company I called the bank, this was in XXXX.. The bank apologized canceled the late charge fee, and assured me the problem was resolved. Well it wasnt. I made phone calls every month to citizens regarding this problem. They in fact acknowledge that they are aware of the problem. Now it is 6 months later, I have notified the bank in person numerous times, have also made at least 50 phone call with regard to this problem. They always acknowledge that the bank is aware of the problem but they cant remove the late fees which now amount to over {$300.00} because it now exceeds the limit that can adjust. So basically they say nothing can be done. This is both XXXX  and unacceptable why should my credit score along with additional late fee charges be my fault because of the banks incompetence. Please help ... Please
Product: Mortgage

XXXX did not provide me XXXX. I overpaid interest. Ditech collected late fees for over two years and payments for over two years from XXXX. But, it claims it is not accountable for interest in XX/XX/2016. I paid interests of {$6300.00} in XX/XX/2016, is {$1300.00} in overpaid interest. 

Ditech does whatever it can to create a hardship to facilitate a default.
Product: Credit card or prepaid card

My name is XXXX XXXX. I have been a loyal Netspend customer up until XXXX/XXXX/2019 when my account was closed. I have been very happy with Netspend in the past, and have not had any issues until recently, someone hacked into my account and stole {$1500.00} from me. Upon talking to several representatives as well as supervisors via telephone regarding this issue I have had an absolutely horrible experience. Finally now, I am told that " they didn't find any fraud on my account ''. SO WHERE IS MY MONEY? I have had a terrible time getting a hold of someone, and have not had any of my questions answered regarding this matter. As a result of these events, I have now decided to close my account because I personally do not feel like I am being supported by the employees of Netspend. I currently have over {$12000.00} left in my account and have been struggling to find out when I will get my money. I was told that my money would be refunded to me via Cashiers Check, that it would be mailed to me within 7-10 business days. It has now been 7-10 business days, and now after calling to find out the status, I am told that " my check was never processed ''. What is going on? So now I have had {$1500.00} stolen from account, and am told that there has been no wrong doing, and to top it off now, every penny I have is being kept from me. 

My Reference Number for the claim with Netspend is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my account would be deleted once paid but it still shows on my credit report as cks prime investments now they said they won't remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX Late payment : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/2022, notifying EXPERIAN that I am a victim of " identity theft '', along with my " identifying information '' according to XXXX XXXX XXXX ( g ) of what " identifying information is '', Name, social security number, date of birth, Driver 's License, the " identity theft '' report, identification of the information on my consumer report and a statement that the information is not information relating to any transaction by I, the consumer. That my request to block is not being made in an error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. EXPERIAN is required to block and delete the reporting of any Information that I, the consumer identifies as " identity theft '' no later than 4 business day of receipt by such agency according to 15 USC 1681c-2.

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a CREDITOR of the consumer or from a CONSUMER REPORTING AGENCY.

EXPERIAN stated the identity theft accounts were verified, but how is that possible if they did not do a proper investigation according to the LAW. What information did they used to come to a reasonable conclusion that the accounts are verified. Their respond is frivolous and completely bias. Also the bureaus have a duty and obligation to make sure every piece of information on my credit report is 100 % accurate because The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to the FCRA 15 USC 1681 every information on my credit report has to be 100 % accurate.

EXPERIAN is still reporting inaccurate information on my report even after being notified that the information being reported is from identity theft and have willfully failed to comply with the FCRA act, Federal Law and are in violation of 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

on XX/XX/year> and XX/XX/year> ; we were scammed by XXXX XXXX ( or so they claim - sender was named XXXX XXXX ) when we thought we were buying a XXXX XXXX  puppy from South Carolina. There were several transactions in which we had to pay via XXXX -- - at first it was {$700.00} ; then, it was {$2000.00} for the puppy to fly ; which we offered to go pick the puppy up ; however, they told us someone was very sick, etc.. ; then it was another {$2000.00} when the puppy reached XXXX XXXX for an air conditioned crate in order to be delivered to us in MA. They gave us tracking information, etc. Then, they told us the puppy needed some kind of certificate in order for them to cross state lines-totally false - didn't pay them anymore money. Everything looked legit ; until they kept asking for more money, etc. Obviously, we didn't give them anymore. There was no puppy! We contacted Bank of America and they said because " we authorized the transaction '' ; they wouldn't do anything about it.
Product: Debt collection

The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXXXXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Product: Debt collection

DUPLICATE XXXX ACCOUNT {$890.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

The XXXX XXXX XXXX XXXX has granted me administrative rights to the Estate of XXXX XXXX XXXX, deceased, who is my older brother. 
XXXX XXXX XXXX passed away on XXXX 2020. Improper ATM withdrawals were made from XXXX XXXX XXXX 's Chase bank accounts on XXXX ( XXXX ) XXXX and XX/XX/2020, a total of XXXX transactions equaling {$6600.00}. The transactions were subsequently deemed improper by Chase Bank. 
I am respectfully requesting that Chase Bank positively identify the perpetrator of these illegal acts through video footage or by other means available.
Product: Checking or savings account

Called us bank 2x today XX/XX/22 about overdrawn account due to the bank reversing provisional credit from XXXX XXXX XXXX. The last time I called Into customer service before today I called in and requested the rep to resend me the dispute paperwork because I did not receive and it was within the 10 day window of my provisional credit. The person reviewed and said the bank did not need to resend the dispute paperwork to investigate the dispute because XXXX XXXX XXXX did not dispute and now today it is overdrawn. Please do one of three things : listen to the call prior to today and you will hear me requesting the paperwork and the rep saying it was not necessary ... reverse provisional credit and resend the paperwork or close account and I will go elsewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy.

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX