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

On XX/XX/year> I logged into my personal and only account with PayPal Inc. It was apparent immediately my account had been temporarily limited. I contacted PayPal immediately and asked why and what needed to be done. I do what was asked of me. I provided them proof I had contacted the company that filed the UCC on my account. I told them exactly what I told the company that is not my debt. The filing is on an LLC not an individual. My personal account can not be affected by this UCC filing since it names the LLC my name is not on the filing ordered by the court. This LLC company does not even exist in the records I came across when trying to get information on the company. I did a search on the Kentucky Secretary of State as well and there are no filings on my name either. I was told by PayPal to give it 30 days and they would release the limitation if this other company does not take my money then the limitation would be removed. Its been 7 months I was surprised to log into my PayPal account about a week ago and find my money still there and the limitation still in effect. I contacted PayPal again only to be told the exact same reason and I would have to start the process all over again. When I demanded that the limitation be removed after being told if PayPal could not present me any evidence or proof that had my name on this filing, I was left to wait for yet another supervisor to return my call. My last contact was at XXXX this afternoon it is XXXX. No supervisor has called yet. This is how this company treats all its customers to they place illegal limitations on their accounts and for many different absurd reasons. I demanded arbitration asked for what I needed to do to get that started they denied helping on that either.
Product: Credit reporting or other personal consumer reports

I'm seeing something suspicious and unknown being placed on my credit report from a shady and unknown, well hidden entity purporting to be a secondary credit agency showing up on my XXXX  credit report. 

The phone number listed doesn't work The phone number on their website doesn't work Their contact us form doesn't work Their option to request a report copy doesn't work Nobody in their posted company leadership answers the calls or returns voicemails There is already case precident demonstrating multiple judgements for federal law violations, and it appears I'm experiencing exactly that. The intentional complexity in requesting a report or disputing what's on it is itself an impediment upon FCRA rights
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion & XXXX dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an alert from Experian that XXXX XXXX places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted XXXX XXXX via phone. 
I spoke to several representatives who stated that XXXX XXXX did not pull a hard inquiry in my credit report. 
And to contact Experian to dispute the inquiry. 
I contacted Experian, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that XXXX XXXX will need to dispute it. 
I contacted XXXX XXXX again, and XXXX XXXX representatives claim that I will need to dispute it myself. 
I am been given the run around by XXXX XXXX and Experian. 
Experian will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.
Product: Credit reporting or other personal consumer reports

I went over my credit report ( XX/XX/year>2024 ) and noticed inaccurate information reporting on my credit. My credit report is reporting I was late for an car loan account which I was never late for. I reached out to the creditor as well as the credit bureaus and requested material evidence supporting that I was ever late for this account. I asked for proof via statements, late payment warnings, anything that can validate this inaccurate information reporting on my credit report which nothing has been supplied by neither creditor or credit bureaus. I really feel as though the credit bureaus are neglecting their responsibilities under the FRCA as far as investigating and substantiating the errors and the consumers are suffering as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called Experian several times about the account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is reporting to Experian as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my Experian report to reset the last date of activity. I have explained this to Experian several times via phone and letter. They have yet to remove this account for inaccurate reporting.
Product: Mortgage

I personally have been calling BSI financial about my XXXX tax that hasn't been paid by my escrow. I keep getting told that they will escalate the information to a supervisor, but it has now went on 3 weeks and my mud tax has still not been paid resulting in a fine. I also told BSI that the amount they have on file was incorrect and I emailed them a copy of the tax statement and updated fees due. If this goes on another month of not being paid it will result in another tax fine from the county. This needs to be resolved immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern,

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths
and cause so much distress.

Federal - XXXX - "The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission (FTC) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer: 15 USC 1681 Section 602 A: Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2: Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c(a)(5): States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s2(A)(1): Prohibits furnishing information known to be inaccurate."
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL ) XXXX, XXXX XXXX   ( Original Creditor : XXXX IDAHO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX
Product: Credit card

In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Inquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect
Product: Mortgage

I set up my monthly payment to be paid through my online bill pay through my bank, XXXX. It was set up to be paid on XXXX XXXX, 2015. Today, XXXX XXXX, 2015 I received notification from my bank I had been overdrawn due to Carrington Mortgage Services cashing my check before the XXXX XXXX, 2015 date on the check. According to representatives at XXXX bank, they informed me that Carrington should not have cashed the check before XXXX XXXX, 2015, and they viewed the check image that showed the date of the check as XXXX/XXXX/2015. My bank account has been overdrawn, and I received a fee ( XXXX is working with me and waiving the fee due to it being the fault of Carrington ). XXXX is not able to refund my money until later today or tomorrow at the earliest. I called and spoke with a representative from Carrington Mortgage Services and they said there is nothing they can do until the check is returned in their system, but agreed that they should not have cashed the check early. Now, I must wait to see if they try to re-deposit the check or if I will have to resubmit a new payment entirely.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer. My SSN is ( Private SSN ), My DOB is ( Private DOB ), Complaint is : The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Transunion credit reporting agency , block information that 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 XXXX personal credit cards accounts. Both opened at XXXX  XXXX XXXX. Both opened on XX/XX/XXXX, both under account numbers ( private numbers ), XXXX account opened at XXXX XXXX  opened on XX/XX/XXXX, under account number ( private number ). Another account XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number ( private account number ), A collection account at XXXX XXXX XXXX opened on XX/XX/XXXX. There were also numerous several fraudulent inquiries. I have attached a my FTC complaint and my final and last dispute submitted to you. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud I request, pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that the Transunion credit reporting agency , block all accounts, collections, and inquiries identified in the CFPB complaint from my consumer credit report file within XXXX business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )
Product: Debt collection

I asked to see validation that this belongs to me, and they never sent it
Product: Money transfer, virtual currency, or money service

XXXX wire transfer on XX/XX/2024 not initiated by me was a chase fraud scammer. I went to local bank after the call and talked to a chase representative and they called to check the claim that I made and said there was nothing they can do. So I went to another local back right after and talked to the manager of the bank she made a couple phone calls and said the money was claimed by the recipient at XXXX. She said that the other bank that I went to before hers couldve put a stop to it. She called the wire department to file a wire recall after three weeks I never received a call from chase I had to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND XXXX XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditor and they can't find it cause they were paid
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected/deleted : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX **** Balance XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} - tied up XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

On XX/XX/2021 I deposited a money order for {$2400.00} and a check for {$11.00} through the Capital One Mobile App into my 360 account ending in XXXX. The following day I was notified that a hold on the funds were due to be released XX/XX/2021. Later that day I was notified by email that my account was restricted preventing me from logging into my account and call the number XXXX. I called the number to inquire to why my account was restricted and was told because of the money order {$2400.00}. The agent asked why the money order was deposited and who sent me the money order. I have had the account for 2 years and never been asked such questions. The agent asked me if I could give her the number to the person who sent me the money order. I gave her the name and phone number and she called to verify information. I have called everyday about my account and my funds being held hostage and no answers. I called the company who issued the money and was told Capital One cashed the money order on XX/XX/2021. Today is XX/XX/2021 and 2 days past the hold date. I have filed a complaint via XXXX, sent a email complaint to Capital One. I need answers and I need my money. No transaction has been suspicious or fraudulent.
Product: Credit reporting or other personal consumer reports

I submitted dispute letters on XX/XX/2023, contesting the validity of certain accounts. Despite their response claiming verification and the completion of the investigation, I requested verifiable proof. Since XXXX, I have consistently sought evidence without receiving any. These accounts are not mine, and I urge their immediate removal. I have attached my identity theft report to support this complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mr. Cooper fails to keep and provide accurate records. My XXXX statement ( attached ) shows payments for the month ( XXXX ) of {$55000.00} and interest of {$12000.00}. Payments were actually {$1500.00} and the interest is actually close to {$300.00}. On the statement there are 80 incomprehensible transactions for 2 payments.
Product: Credit reporting or other personal consumer reports

I reported this fraudulent information to Trans union that was put on my credit report due to a security breach and Identity theft. I have filed a police report, a FTC report and a report on XXXX online. I submitted this information to Trans union asking them to remove this from my credit report. The removed it and a week later it was placed back on my report.
Product: Credit reporting or other personal consumer reports

No knowledge of this account thats reporting to credit bureau
Product: Checking or savings account

I requested at the local Bethpage Federal Credit Union branch in XXXX for my 2015 and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records. 

Bonus Checking Account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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 process was unfair and deceptive, as they did not comply with error resolution requirements under 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, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX   XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Mortgage

Inconsistent escrow practices among mortgage lenders have become a concern. When I receive the Annual Escrow Disclosure Account form from my mortgage servicers, I have typically had the option to either pay the shortage in full or have it prorated across the year. Paying the full shortage has allowed me to keep my mortgage payment consistent and unchanged. Since
purchasing my home in XXXX, I have always opted to pay the full shortage when necessary, and this choice has been honored by various lenders who have managed my mortgage.

However, my experience changed last year when Regions Mortgage acquired my loan. Unlike my previous lenders, Regions does not allow me to pay the shortage in full, instead automatically increasing my monthly payment. When I inquired
about this in XXXX, I was informed that this approach is standard policy for their institution. While I understand that banks have their own policies, I find this practice troubling. It removes the autonomy I have consistently had with other lenders, limiting my ability to manage my escrow account as I have in the past.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX of this year will make it 12 whole months that I've been trying to resolve this inaccurate reporting account. No responses. No investigation to my knowledge. The creditor and the bureaus have been ignoring me for months. I dispute faithfully at the beginning of every month, and still no results. I need this falsely reported account removed from my credit report immediately.