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

i had been using paypal and for no reason at all my account was closed i was also not given ay clear reason as to the closure of the account. 
contacted paypal regarding the closure of the account and try to appeal it but the support staff ended up saying the decision is final and theres nothing they can do about it. 
making it worse they locked the funds innitialy in the account and iam unable to withdraw it. 
I have heard that others are able to remove the funds after this period but for my case they have competely defaulted and iam still unable to withdraw it iam so frustrated and i would like to withdraw all my funds as iam in a very poor financial position. 
my paypal address is : XXXX XXXX
Product: Mortgage

In the year XXXX, my husband and his colleague forced me into a reverse mortgage against my will. This loan was orchestrated under severe duress for fear of divorce. Both my husband and the loan officer knew of my objections and the fact that I did not want to sign the loan documents. I had repeatedly expressed my fear and duress about this type of loan. My duress was in emails as well as phone conversations. Under direct threat of divorce, I was required to close the loan. It was not until months later that I discovered they were planning another reverse mortgage however, this time, a jumbo reverse loan whereby I would have to sign a quit claim deed and hand over my trust fund as a " gift '' deposit. This was a carefully orchestrated plan to protect my husband. Again, I was given the ultimatum to sign the quit claim deed, remove all marital interest and turn my deposit into a " gift '' or my husband would file divorce papers. When I asked for different type of loan that had spousal protections, I was refused by my husband and told this was the only type of loan he could secure. After speaking to my trust attorney, I ultimately declined because of the risk. My husband filed for divorce within weeks of cancelling the loan. It was not until I found a letter detailing out how the reverse mortgage would benefit my husband in the event of divorce since I am the younger spouse. Both my husband and his loan officer knew this and orchestrated this loan with the intent to give him leverage to retain our marital home as well as the purchase of a new home. Through further investigation with my accountant, it was also discovered that my husband was paying this loan officer money outside of their mortgage company. These were large sums. Both my husband and this loan officer worked for the same finance company at the time and paying someone under the table for working on his loans while both were employed by the same company would be a breach in fiduciary duties as well as non reporting of overtime. This was not the only time my spouse and this loan officer committed mortgage fraud. In XXXX Both my husband and his loan officer knowingly closed loans as owner occupied for my husband 's son with the intent to gain a lower interest rate on a purchase. This property was never intended to be owner occupied. The house was already rented prior to closing the escrow. I was again under fear of divorce and physical harm if I exposed any of this information. Now that I have protection and legal representation, I can request an investigation. I have a reverse mortgage that should have never been consummated. I never agreed to the terms. I have emails and direct conversations with his loan officer as well as my husband which she would and could testify to my duress of the loan and my objection to signing the loan documents. The notary can also testify to my objections and duress I faced during the signing. I was under threat to sign the loan documents. It was not of my own free will. 
The lender was Finance of America and Finance of America Reverse.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and I request removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And I am demanding the removal of the address XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Student loan

I sent this letter and received no response. These loans keep getting transferred without my knowledge, approval, or consent. These loans have been reporting on my credit report for over 7 years hence they should have been deleted. I have received no documentation verifying these debts. I have been harassed via email and phone about payments. My cease and desist request has not been adhered to.
Product: Credit reporting

I made several attempts writing letters to Equifax to remove unauthorized from my credit report and they have continued to state that inquiries are matter of fact without even making any attempts to investigate these disputes. Therefore they continue to report these inquiries in my credit report. This is ruining my life and not to refinance my house and get any credit because of these hard inquiries. Equifax even have my address wrong on my credit report which is a reflection of a deliberate attempt to ruin my life. They have my address as XXXX XXXX XXXX XXXX Ca XXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. This is probably where the problem is coming from.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX # XXXX - DATE XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report
Product: Credit reporting or other personal consumer reports

LexisNexis you state in your re-investigate dated XXXX XXXX  that you have received the information from lien, judgment and civil filling records and determine that the data being reported is accurate. LexisNexis stated that research was conducted with the following source, XXXX XXXX Register of Deed, XXXX Ma. 
I have contacted the the XXXX XXXX register of deed and they responded that they DO NOT report these records to any credit reporting agency. I have attached a copy of the letter from the XXXX XXXX Registry of Deed with the section pertaining to my dispute highlighted for your review. LexisNexis did not re-investigate my dispute with the original furnisher XXXX XXXX Registry of Deed. LexisNexis has violated the FCRA by continuing to report inaccurate information after I had stated multiple times in my dispute that the information is in fact inaccurate. Please see attached response letter from XXXX XXXX Registry of Deed.
Product: Debt collection

I had an account with Conn Appliances & explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from XXXX XXXX XXXX ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being I have rights under 15 USC 1681. 

XXXX XXXX XXXX Transunion are govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give XXXX transunion or XXXX written permission to furnish these accounts. 

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 iters 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. 


Accounts 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
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. 

Account name : 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 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 has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. 
I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX I do not recognize this credit inquiry on my report, spoke to transunion but agent refuses to help regarding this issue. I have tried numerous occasions to get this deleted still to no avail. 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this credit inquiry or this bank as well on my report, spoke to transunion but agent refuses to help regarding this issue. I think my account info may have been sold or possibility of fraud. I tried many waya with transunion no help
Product: Credit card or prepaid card

I was applying online to U.S bank credit card on XX/XX/XXXX ( Saturday ). I had reached a stage in which the credit limit was shown as {$600.00}. At this point I have the webpage up and have neither declined nor accepted the card. 

then call U.S bank customer service number regarding the credit limit increase and the customer service agent mentioned to call back next week to talk to the credit underwriting department. I then asked what I should do on the webpage as I dont agree with the terms yet and she mentioned to exit out of the page. I then exited out of the webpage. 

When calling back on Monday ( XX/XX/XXXX ) and speaking to the credit department they mentioned that they automatically approved the card and will send it out ( without my permission or any mention on the webpage and the lady saying that exit out of the page and nothing will happen ) This is a fraudulent opening of an account in my name without my permission. The website design is misleading and designed to open accounts without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the  Magistrate Court of   XXXX   County I entere d into a Settlement agreement which I would pay  one month  rent of {$1500.00} and forfeit my security deposit. A judgment was never entered against me. The check was cashed and appears paid and I have a copy of the canceled check. It was deposited on   XXXX   XXXX   XXXX  . Check numbe r 147, t he agreement was it was to be paid by   XXXX   XXXX   XXXX   which it was and hand delivered to the Plaintiff, dated for the sixth. He was to report to the court that it had been paid and the case would be dismissed, however, the plaintiff never reported this to the court, I found it during a review of my credit file. I have sent several letters and motions to the court to correct this error with no response or help other than they did not report it. My first letter was sent   XXXX   XXXX   XXXX  . My case number was  14-C-1886.  On the same date I filed a motion to enforce settlement, since this should have never been entered as a judgment since I paid pursuant to a settlement agreement. The court instead had the plaintiff enter a release of judgment on   XXXX   XXXX   XXXX  . This was not agreed upon. There should have never been a judgment entered or release as we reached a valid settlement agreement on   XXXX   XXXX   XXXX   for me to pay by   XXXX   XXXX   XXXX   and the case would be dismissed. This release did nothing to remove this inaccurate information from credit report. Again I sent a letter on   XXXX   XXXX   XXXX   requesting that the judgment be vacated and removed from my credit report and in the mean time to report to the agency that is was paid. I disputed the same with  XXXX  and eventually they removed it. Now it is appearing on my Equifax report that I filed a dispute with today. I have applied for a mortgage and have been approved I am in the process of purchasing a home if this fraudulent reporting and lack of the Court reporting the accurate information and removing this error of judgment on my record results in my denial of the mortgage which is set to close on   XXXX   XXXX   XXXX   I will file a lawsuit for the entire amount of the home value. This is ridiculous that I have repeatedly attempted to correct an error on the Courts behalf and they ignore me. I have all documentation of my attempts to get t his Court to re move the judgment. It is completely inaccurate.
Product: Credit card

On XX/XX/2023 I applied for a mastercard XXXX card, in good faith i submitted my application and was denied. I have a rite to credit 15 USC 1602. Regardless of the reason I was denied, denying me access to my credit is discrimination and is in violation of Equal Credit Opportunity Act, and Consumer Credit Protection Act. Withholding my securities is securities fraud and may carry civil or criminal liability and subject to fines and/or imprisonment. This is a consumer credit transaction. The property is to be used by the natural person for personal household and family necessities.
Product: Checking or savings account

On XX/XX/2023 I received an email that I signed up for Bank of America online banking. I dont bank with them and havent applied for anything through them. I called to try to get info but they wouldnt give me any information with account or card number that I dont have because I didnt open the account
Product: Debt collection

I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. 
XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?
Product: Debt collection

I've requested all documents from the collections agency that was sent from the XXXX provider validating that I owe a debt. What I received was an XXXXXXXX XXXX  with a list of charges. I contacted the collection agency and explained that I requested a summary of charges billed and payments received from my insurance company which shows I have an amount left over to be billed. The collection agency confirmed they have no explanation of benefits any proof of bills or services. All they were sent was the XXXX without any other information. I was told that they don't have any proof of a debt other than taking the XXXX  office word for it. I have requested a copy of the explanation of benefits as well from my XXXX office. As of date I have not received any billing proof from them either. I have been incorrectly charged due to poor billing practices at the XXXX   office. There is fraudulent billing being performed.
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. Transunion has violated my rights. 15 U.S.Code 1681 Section 602 A. States I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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. Inaccurate information on length of account. Inaccurate information on payments of account. 

I was never contacted to check the accuracy of any information on the Transunion site. Furthermore I sent a letter on XX/XX/XXXX to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX # XXXX as of XX/XX/XXXX.
Product: Debt collection

There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.