23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a client send money to a non-business account. Via PayPal. Because of the high fees I get with my business account. ( Really wish I wouldnt have done that though! ) At first I couldnt transfer the funds. It wouldnt allow it. I call them and they said because it was an old account, but they refreshed it. A few days go by and I try logging into the account. And there is no account. It is gone. At first they were saying it doesnt exist then finally I got ahold of someone who told me the account has been closed. 

I didnt close the account. 
Then they tell me the {$2100.00} was transferred to a bank account. I have no knowledge of this account. 
A week ago they submitted a dispute. I just got told it has been denied. 

I need help getting this money back. 
It has put me in a really bad spot financially. And PayPal really needs looked into. 
How can an account that I havent used in forever do this? This is crazy.
Product: Credit card or prepaid card

I have had this Usaa credit card for 21 years and I have paid religiously on time and have always been a loyal customer. 
During this time of economic hardship I have chosen not to utilize my credit due to uncertainty of financial future. I have recently required new charges on this account in which I have not used in over a year. Upon investigating these charges I have discovered that the are annual fees that I am now charged monthly. I have contacted Usaa on numerous times over the last three months, with absolutely no correspondence, and continued charges to my account that I have never incurred in the past with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three reps from bank of America said there are no fraud charges on my account and the recovery supervisor said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I wanted to reach out in regards to the following accounts : Department of XXXX XXXX These accounts are reporting inaccurately and violating my XXXX rights as I am entitled to accounts on my report being accurate and verified. XXXX has removed these accounts because they were unable to properly verify it. { Please see attached file } XXXX confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Please send proof that these accounts have been properly verified or remove these accounts from my reports immediately. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has disregarded the law in multiple instances since I started my dispute on XXXX. As of XX/XX/XXXX Transunion has continued to report information disregarding and outright ignoring my dispute as well as verifying the information with the consumer to which it belongs. 

They are reporting transactions and experiencing ignoring the FCRA and continue to cause harm to me. 

This is defamation of character and I will pursue litigation. 

I disputed multiple items on my credit report after being denied credit and housing, XXXX and XXXX complied with the law. Transunion, without notifying me of Re-Investigation results re-inserted an already deleted item. 

I have a long paper trail of Transunion being the big reason I have been denied housing and credit. They have been negligent since XXXX which I have documents to prove. 

I have not been able to access my score or credit report since XX/XX/XXXX on Transunion.com as well as freeanualcreditreport.com. I can't change my password and can't login from either website. When attempting to chat or call employees hang up on me or never connect to the call. I called in XX/XX/XXXX to get the fraud alert lifted on my report. The employee told me I had to follow a procedure to get an elaborate mechanism off my report that I never opted in to in the first place. He ended up not even helping me remove it, they forwarded to me an employee that never answered and I never got to get the fraud alert off. I have an audio recording of this conversation. 

All in all, Transunion is continuing to furnish information which I have told them they do not have permissible purposes to do and is inaccurate.Transunion continues to ignore my written instructions. I have been getting denied for credit and housing because of Transunion 's willful negligence. I will be seeking a specified remedy.
Product: Debt collection

Im not liable for this debt with OMEGA RMS. I do not have a contract with the collection agency trying to collect and report this to my credit. I did not sign any paperwork with OMEGA RMS. collection agency stating that i pay them or owe them any money so I do not have a contract with OMEGA RMS. and they did not provide me with the original contract as requested at the desired resolution on correction to my credit report. I demand this account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my XXXX XXXX  that there was ahard inquiry from capital one. info listed Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I did not apply for any capital one credit card, loan or mortgage of any kind, so i am afraid it is some kind of fraud. i t now shows on my credit report from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Product: Vehicle loan or lease

I made my payment XX/XX/2018 The payment posted XX/XX/2018 of XXXX. 10 days later the co. Is stating the payment was reversed and went back into my acct. I have provided several items from my bank have diligent worked to get this situation resolved. However the co. Has not excepted anything I have faxed them. Haven't reached out to even say faxes have been gotten. I've had to go through CS line automated lines 30 mins plus to get to the right staff. Everytime. I began emailing information it was said they would email back when received never have. But at this point. No contact from them and the status of my account is still delinquent. Might I add I have only one payment left to make on this loan. I am desperate for help at this point.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, and imposter texted me from a XXXX digit phone number with a fraud alert regarding a XXXX transaction that I did not make. After saying XXXX that this was not an authorized transaction, I received a phone call from a phone number that was masked as Chase Bank stating that there was fraud on my account. They had me change my log in information, and sent me through the prompts of deactivating my phone number from XXXX. Meanwhile, my husband called Chase bank stating that his wife ( me ) was on the phone with someone stating they were from the bank regarding fraud. The Chase employee opened the account and said that someone was working on the account, and told him there was no worry. The scammer had me send them a XXXX digit XXXX verification code, which in turn allowed the scammer to take over my XXXX account. I transferred {$2000.00} to XXXX of my XXXX recipients and they informed me to have the XXXX recipient send it back ( that this would trigger a XXXX XXXX for my fraud claim ). I never received the money back, and it did not show up on my account but the chase banker ( scammer ) said it would show up in XXXX hours. They stated that whoever had my account was attempting to XXXX scam my account again, and had me send another {$2000.00} to a different XXXX recipient. The new XXXX recipient was informed to send the money back to me, which I didnt receive again. My husband called Chase bank AGAIN and that banker informed him to have me immediately hang up. I filed a claim in person with Chase bank regarding the fraud, they did an investigation and stated that I allowed the money to be sent back and forth, and it was my own negligence. I opened the claim for further review a second time and was denied and never received any of my money back. I stated that the first {$2000.00} sent would have been negligence on my part, but when a Chase Customer Service Representative states that someone is working in my account and that there was nothing to be concerned about, I used that information and continued to send the additional {$2000.00}. Chase had no regard for their negligence in this matter and were not concerned with getting my money back or finding the scammer who did this to me so I could file charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX
Product: Mortgage

In XXXX, I took out a mortgage on my first home and Wells Fargo took over that mortgage. In XXXX, I began having problems paying my mortgage. I attempted to send in a payment, and the company returned it as they had started foreclosure proceedings. After working with the company, I decided to do a loan modification, during which time I was unable to make any payments on my mortgage. I was told that all of the missed payments would be applied to the " back end '' of my loan. I specifically asked, on their recorded line, if that would amount to a second mortgage being taken out on my property. They LIED. They ASSURED me that it was not a second mortgage at all. To my surprise in XXXX when I went to sell my house, I did in fact have a XXXX for a second mortgage on my home by no less than Wells Fargo. I was unable to sell my house until the second mortgage was satisfied. And the terms of the " second mortgage '' were that they would have been due and payable within 30 days of paying off the first mortgage. I never received ANY notification during the 2 years after the modification about this hidden second mortgage. None at all. I tried to find an attorney to check into this to no avail. 

Fast forward to this week. on Tuesday XX/XX/XXXX, I received a check in the mail for {$310.00}. I called Wells Fargo to inquire what the check was for only to find out they made an " error on my loan modification. '' You THINK? They said the payment was " good faith ''. In the letter with the check were instructions to request " mediation '' at no cost to me if I felt I was owed more money. Well, I do. I had to pay a second mortgage to the tune of almost XXXX, a second mortgage that Wells Fargo assured me would not be in the first place. And now I find out there has been a class action lawsuit regarding what they did to people. I want an investigation into how and why this happened. And I want to be made WHOLE by this bank. They shouldn't be allowed to do this to people.
Product: Checking or savings account

I had a direct deposit of {$1700.00} that was supposed to post to my Capital One 360 checking account between Wednesday, XXXX/XXXX/25 or Friday, XXXX/XXXX/25. However, the bank started having issues processing direct deposits on the XX/XX/XXXX, and the current ETA is the morning of Friday, XX/XX/XXXX/25. However, theres no guarantee that theyll have it resolved then.
Product: Debt collection

While renting a property unit from The XXXX XXXX, I was required to give 30 days written notice before vacating. I did so. The XXXX XXXX did not acknowledge the XXXX days I gave them and they put my account in collections with XXXX different collection companies. The company called Mutual Management in XXXX, FL has been reporting my account in collections even though I have provided proof of cancellation well over the 30 days their client required. It was also noted that their client did not apply any of my Security Deposit to this alleged debt. Mutual Management has been unresponsive and will only speak or communicate with me if I pay their fee.
Product: Debt collection

Account Previously Deleted for non validation by previous collector and creditor. 
No dunning notice sent by this collector. 
This debt buyer has falsified date of account opening, first reported.
Product: Debt collection

I sent letters to the collection company and credit bureaus informing them that this account dont belong to me. Ive never been to XXXX XXXX  or had a XXXX XXXX  credit card or whatever kind of account is this. Ive been XXXX for over 10 years. This company have failed to remove this debt that dont belong to me. They cant prove this account belongs to me because its not mine. I request this account be removed from my credit immediately.
Product: Money transfer, virtual currency, or money service

Venmo withheld my money for 180 days, my boss sent me XXXX dollars to make a purchase and when I wanted to make the payment with Venmo the account is frozen, then I communicated via phone and they told me that in 5 days I would be able to access my funds, the 5 days passed and my account was still frozen so I sent an email attaching my driver 's license, and requesting access to my funds, they replied that due to company policies they had made the decision to retain my money for 180 days because they suspected illicit movements, I replied to this email that they clarify what illicit movements if I only use Venmo to pay for the pizza, give me a valid reason, again I attached my identification and they never answered this email, yesterday I contacted twice by phone and the two times they told me that by company 's policies the money is
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out several dispute letter to transunion on several occasions and made them aware that they were in violation of several of my consumer rights. they steady sent me documents stating that the information was verified and accurate. i sent a dispute letter first to them 90 days ago, again 60 days ago and again 30 days ago. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Fact, has proof as seen in attachment labeled EXHIBIT A. That Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided Transunion with written consent to report anything on my consumer report/file. When there is no consent that is identity theft.

Fact, proof per attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not
validate this debt.

Fact, has proof in attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well Transunion Transunion violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due.
Product: Credit reporting or other personal consumer reports

There are over XXXX inquires on my name that I did not approve Someone opened a credit card through XXXX XXXX in 2023 that all your great Credit Bureaus. Great protection that many inquires on my name allowed my credit score to drop out. 
Its probably all your foreigners allowed to access our accounts I cant get credit because your so called system of security is a joke when the foreigners get to get credit in my name with XXXX XXXX I just found out so Thank you for not protecting my name and the account was being paid for because of this last identity theft. 
Thanks again for not helping. Thank you for destroying Americans names
Product: Credit reporting or other personal consumer reports

I submitted complaint XXXX about a removal of an inquiry. 

They company response said they needed 30 days to investigate. That was on XX/XX/XXXX. It is now XX/XX/XXXX. Well past the 30-day period. I need this inquiry removed today. i have provided more than enough time for a proper investigation. No results have been filed. The inquiry needs to be removed from Experian report. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

My servicing transfer from XXXX XXXX XXXX to Mr. Cooper ( Nationstar ) on XX/XX/XXXX won me a payment increase of 9 %. 
I completed a loan modification with XXXX XXXX XXXX on XX/XX/XXXX that includes impounds for taxes and insurance. At that time my escrow was analyzed and monthly payments for property taxes and hazard insurance were properly calculated. 
Mr. Cooper decided to increase my payment to add 2 months of 'cushion ' and when I called them to ask about my property tax and hazard insurance payments year over year, they told me my property taxes were the same and my hazard insurance decreased. 

Why should I be harmed by a servicing transfer that I have no control over and a new company that wants 2x, 3x, 4x or whatever they choose to ask for 'cushions? ' I know that the CFPB is considering allowing consumers ( borrowers ) to be able to choose which company they want to service their loan. Cases like mine illustrate why that is a phenomenally good idea. Mr. Cooper wants fat escrow balances so that they can get large interest income in a rising rate environment. I'm sure they look for this as part of their servicing acquisition modeling and strategy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that do not belong to me or were opened without my permission. 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 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 XXXXXXXX, L. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX, XXXX.Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX