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

PayPal has not only locked me out of my account without cause for over one year, it has also illegally kept my money ( for that amount of time as well. One of their XXXX  male customer service reps representatives was talking to me lower than an animal and I didn't stand for it, so he cut off access to my account WITHOUT CAUSE. I didn't violate any of their Terms of Service. I have tried in numerous ways including going to small claims court to get them to refund my money that he ( and other Paypal reps ) admitted that was going to go back into my account to no avail. I now have to file it in District Court but due to the coronavirus, I have to wait to do that. When he shut my account down, it stopped the transfer of the funds going back to my bank account, so they have been in illegal possession of my money for over a year ( even their TOS says any hold will be no longer than 6 months ). 

Paypal also let a scammer ( XXXX XXXX ) keep money ( {$170.00} ) of mine even after I told them I didn't receive the services I paid her for. Other people have been scammed by her and Paypal refunded their money, but due to the above situation, they won't refund mine.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$4100.00}
Product: Mortgage

You would have to get my whole account from XXXX XXXX XXXX and then SPServing! Actually my entire account from XXXX XXXX didnt transfer over my escrow payment for my taxes, nor did the pay my taxes.. SPS Did nothing then or ever!! Went into bankruptcy because of both of them!! In XX/XX/XXXX, XXXX XXXX even refused to give the Home Keeper program the information they requested to give a loan me a loan to payoff the arrears from being a XX/XX/XXXX loan Not because I was ever a day late on payment! I was in a very long modification process, like years, I was in XXXX XXXX executive office, Customer service supervisor Author XXXX!! After an hour long argument he still refused to send it because he did have to!! After my modification the paperwork got sent in XX/XX/XXXX! They took my bankruptcy payments and put them all over the place, up your escrow ever opportunity they have because they are insane!! Say Im not making payments when I am!! They never fixed one think so obviously Im losing my home!! Thats what SPS DOES BEST AND YOU ALL KNOW IT!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
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 deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Product: Payday loan, title loan, personal loan, or advance loan

I am wondering if the fees and charges of interest are legal it seems what the official balance they give me is not the same as the pay off amount. I took it out as a consolidation loan and it doesnt seem to be going down.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiry from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX  XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Mortgage

mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.
Product: Credit reporting

After reviewing my Transunion credit report I was very concerned to realize that I had XXXX negative items listed that are both medical cebt from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Transunion I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Transunion and XXXX XXXX multiple times. I do n't know how Transunion or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Transunion the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I took out a loan for {$2500.00} from Cash Central while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of XXXX XXXX but living in XXXX ( I provided them my XXXX license ). 

Cash Central is licensed to make installment loans, however I can not find a copy of a license to operate out of XXXX until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of XXXX ( but not XXXX ). 

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by Cash Central, which I did not know until a later date. 

My loan was then sold to XXXX XXXX XXXX who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, Cash Central has not returned phone calls or emails. I then went ahead and reopened the case with XXXX   but Cash Central has stated " Due to the sale of XXXX XXXX debt, Cash Central does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX '' On XX/XX/XXXX I was notified ( by XXXX ) that records showed I made ZERO payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one cash central and the other XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I object to Reconnections On each marketing relate to unauthorized publication of personal and private information : listing details page on Redfin, Listing my home and pictures on their website. Listing address XXXX. I am the owner of my home and object that My Home is not for sale and this company advertising posting pictures of my home on their website. Making us a unwilling participation in their scam. Sensitive information have not Services offered Misled by this company Sensitive information displaying pictures of our cars in the driveway and posting the value of my home on their website. As a result strange people person contacting me. XXXX XXXX, co-founder of Redfin, has only just now made a reemergence in the media. Before starting Redfin, XXXX graduated from the University XXXX XXXX  with a XXXX  in XXXX. XXXX caught the entrepreneurial bug when he came up with the idea for Redfin with XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, FL XXXX | Redfin Residential real estate company. Redfin is a real estate brokerage. The Seattle-based company was founded in XXXX, and went public in XXXX XXXX. XXXX XXXX is the CEO. XXXX. Headquarters : XXXX. Customer Service : XXXX Founder ( s ) : XXXX XXXX, XXXX XXXX, XXXX XXXX Founded : XXXX Employees : XXXX Stock Price : XXXX ( XXXX ) {$19.00} XXXX ( XXXX % ) Mon, XX/XX/XXXX, XXXX EDT www.redfin.com/FLXXXXXXXX is advertising my home picture on their website.
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 violates 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 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: Mortgage

Wells Fargo Home Mortgage has had my address incorrect for XXXX years ( as long as I have had my home ) they have refused/ will NOT fix it. I have sent them a copy my Deed and appraisal. This has caused issues with my home insurance provider. I have numerous times and yet they will not fix it even after they say they will.
Product: Money transfer, virtual currency, or money service

I am writing to submit a complaint that Cash App/Block has done little to protect against multiple accounts being created utilizing my identity. I received the following email on XX/XX/XXXX and this week again received another cashapp card in the mail that I did not order to my home address. Cashapp is requesting that I contact law enforcement to investigate but are not themselves doing anything to protect consumers from fraud. I have put measures in place to remove my identity information from the dark web and my credit including freezes. None of this protects me from people utilizing CashApp to commit fraud in my name and setting up security parameters to prevent fraudsters from establishing accounts. The below email is from CashApp on XX/XX/XXXX. Cashapp refuses to identify to me the accounts that are open in my name and with my identity. 


Hi XXXX, We completed our investigation and found evidence consistent with identity theft concerning the unsolicited Cash App Card you received. 

Per your request, and in accordance with the Fair Credit Reporting Act, please note that our records reflect that on XX/XX/year>, an unknown individual opened a Cash App account and provided the following information, which matched the personal identifying information that you gave us. 

- Your Name ( first and last ) - Date of Birth - Physical Address - Social Security Number We share information in accordance with our Privacy Notice ( https : //squareup.com/legal/privacy ). If you report this matter to law enforcement, Cash App will cooperate with their investigation. We can provide additional details to local law enforcement if they make a request in writing or through other legal process. Should you choose to make a request through law enforcement, the investigating officer can contact us at XXXX XXXX XXXX  or via email at XXXX. 

To provide law enforcement with additional details about this account, we will need both a police report and a completed FTC identity theft report XXXX XXXX XXXX XXXX XXXX XXXX ) We also recommend visiting XXXX ( XXXX XXXX XXXX XXXX where they can help you report and recover from identity theft. 

To keep your information safe, its never a good idea to provide sensitive information such as bank account numbers, full debit/credit card details, account passwords, Social Security Numbers , or Individual Taxpayer Identification Number over email. 

While XXXX, our site, and service are secure, not all email servers are. For your security, Ive deleted the sensitive information in your previous message. 

XXXX Cash App Support ref :! XXXX.! XXXX : ref
Product: Payday loan, title loan, personal loan, or advance loan

I was notified by my bank and was forced to order a new debit card due to suspected fraud. I logged into Klarna to remove the old debit card and replace it with my checkign for the time being. I also made a payment for one of my items. Well, they still attempted to charge the inactive card, and it failed since it was cancelled. Well, this caused me to be charged additional fees and my credit is no longer availbale to use. 

I reached out seeking resolution to this, and the rep refused to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Applied for debit card w open checking acct. on XX/XX/XXXX, XXXX.Have sent over ten notices to pen-fed cu telling them about the missing debit card, still no debit card or response. I need to use this card for purchases & should have recvd it some 3 1/2 months ago. Also I needed to make 5 purchases w it within 90 days for their bonus offer. Which will now to be extended another 90 days, once I recv the missing card
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a business. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to XXXX XXXX and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.govXXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with 1st investors XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX