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

I entered my new bank routing number and bank account number in PayPal wallet, but PayPal asked for my social security number, a Cell Phone Number, and refuse to give me my money. Even thou I was signed into my PayPal Account and PayPal therefore knew who I was they said they had to verify who I wa ; asking for the Password to my Bank Account. I called PayPal at the number they told me to a XXXX and could not get a human being. The computer PayPal voice kept explaining how to set up a bank account in PayPal and I could not get thru to PayPal that they were not accepting my data entered and froze me out. 
PayPal set up a system of false lies and froze me out. I am unable to get my money needed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

In XXXX of XXXX I was made aware that my personal information was used to open a savings account with Customers Bank. I did not open or authorize this account and requested that it immediately be closed. I was assured by personnel at Customers Bank that the account would be closed as soon as possible. The bank mailed me a letter confirming the account is flagged as fraudulent and would be closed. On XX/XX/XXXX I received a statement in the mail confirming the fraudulent account is still open and the Bank has not taken action to close the account. 

I have now called the bank twice to report fraud and ask that the account be closed and the matter be investigated to the extent possible. They have failed to take action and I continue to be at risk for further fraud exposure as a result. The attached letter will be mailed to Customers Bank on XX/XX/XXXX, again requesting they take action to the close the fraudulent account. 

Please investigate this matter and determine why the bank refuses to take action. 

Kind Regards, XXXX XXXX
Product: Debt collection

In 2017 I went in person to an XXXX XXXX XXXX store to close my month to month account and I paid off the remaining balance, I was told that my account was now closed. My service at home was off and I joined a new internet, phone and cable company since. 

Now my credit is being hurt by 3 collections with different account numbers stating that original creditor is XXXX XXXX XXXX. I never received any notifications from this collection company, and when I called, now that I saw them in my credit report, I was was told that they had an incorrect address on file. My credit is being damaged by these charges for a service I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX received an email from Sear Citi-Bank stating my account was now open. 
Multiple calls were made to Sears and Citi-bank to explain that no account had been requested and I did not want a new account. But I was unable to get through automated phone tree to talk to a human. They request account or SS # to talk and I have no account and SS # would not register. 

I set up fraud alerts on all my accounts through XX/XX/XXXX. And I froze my credit on all 3 credit bureaus on XX/XX/XXXX XX/XX/XXXX received an email saying I could pay my bill on line. Still not able to talk to a person to explain that no account was requested. 

On XX/XX/XXXX I received an credit alert for a minimum payment of {$28.00} on a statement amount of {$250.00}. I have never seen a credit card or used this fraud card. To my knowledge there are no SEARS stores in XXXX to even shop.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX XXXX XXXX XXXXXXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX  reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EQUIFAX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

midland credit management calling about a credit card debt on a sunday and an XXXX speaking voice.
Product: Mortgage

Starting XX/XX/2020 we contacted XXXX XXXX XXXX by phone in regards to having the private mortgage insurance ( PMI ) cancelled on our mortgage. They were extremely helpful and conveyed that Dovenmuehle was the company contracted to administer this program. On XX/XX/2020 we received a letter with information on how to proceed with this process. Included in this information from Dovenmuehle was a Fannie Mae " Borrower-Initiated MI Termination Evaluation Results '' sheet. On this sheet was listed a Property " As Is '' Value amount ( AVM ) for our property as of XX/XX/2020. This amount was listed as {$260000.00}. 
This is where the complaint starts, not with XXXX XXXX XXXX, but with Dovenmuehle. The AVM listed was the determining factor in proceeding. On XX/XX/2020 we sent our letter to Dovenmuehle along with our check for {$470.00} for BPO/Appraisal fees. An appraisal of our property was performed on XX/XX/2020. We received a letter dated XX/XX/2020 indicating our appraisal came in at {$240000.00} which did not meet their requirements. I contacted Dovenmuehle by phone questioning why the XXXX and appraisal were so different. No one could give me an answer and I was told they would start an order to the Special Loans Department and they would contact me. After two months we received a letter on XXXX XXXX, about appealing our appraisal. Detailed information on our property and information on three comparable properties was needed and must be returned within 30 days. We sent the requested information to Dovenmuehle Escrow Department on XX/XX/2020. After no communication from Dovenmuehle for six weeks I contacted them by phone on XX/XX/2020. The agent I talked with this time said that they had not received the requested information. I of course questioned this and after some time on hold she informed me that the packet of information ( over 20 pages ) had been located but no action had been taken. She started another new order and told me a review would be completed by XX/XX/2020 and we would be notified via mail shortly after that date. After receiving nothing from Dovenmuehle, I called today XX/XX/2020, the first agent checked my file and told me that no review was done due to the fact that the requested information was not received by their deadline and I would have to request another appraisal and resubmit the information. I immediately asked to speak with a Supervisor or Manager! The Supervisor reviewed my file and at first repeated the information and deadline debacle. She then checked again and did in fact acknowledge that the packet had been in Dovenmuehle possession since XXXX. She then said the only thing she could do was start another new order with special notations that the information was in fact timely. She the stated that it would be XX/XX/2020 before the review would be completed and we would be notified via mail of the results. She also said I could call back after the XXXX for a verbal response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing o properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 12 U.S.C, as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

To whom It may concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on my account During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank you.
Product: Vehicle loan or lease

My original car loan was charged off by Capitol one auto finance. My new settlement agreement was for {$3800.00} dollars. The new arrangement for {$3800.00} was to be paid in full before the end of the fiscal year. I made three payments. My first payment was made on XX/XX/year> for {$380.00}, my second payment was made on XX/XX/year> for {$680.00}, and my third and final payment was made on XX/XX/year> for {$2700.00} for a grand total of {$3800.00} dollars. At that time I was told verbally by the customer service rep that my account had been satisfied, my balance is XXXX, and that my title would be released as soon as the funds cleared my bank account. I was also transferred to the title dept in order to give them my XXXX account number so that my title could be sent directly to me in the most timely manner. ( The customer service representative is the one who informed me to payoff the account and to set up the XXXX account to receive my title ) and I still haven't received it
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX, XXXX and Equifax. about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX
Product: Checking or savings account

I have a brokerage account with XXXX XXXX and I was scammed. I was advised that my account would close on XX/XX/XXXX with wells fargo due to XXXX XXXX advising that the wires was unauthorized. The money from the wires are no longer in my account and I have my savings also money from my business account an my payroll check. I have not had access to this money since XX/XX/XXXX I was advised the account would close and I would be sent a cashier check on XXXX. Today XX/XX/XXXX I received a email stating that my account would not close until XX/XX/XXXX. I have no access to my payroll check or my savings. I am now being evicted due to not being able to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 60 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Product: Debt collection

Credence Ressource Management placed a collection on my credit in the amount of {$730.00} on XX/XX/year>, I called the company several times asking about the debt the company could not provide me any of my personal information, I sent a email requesting proof of debt. I have not received anything. I did research on the company and the reviews all said the company is a scam and not a legit company.
Product: Student loan

I am very upset about the loan billing statement I recently received from Mohela via email on XX/XX/XXXX which is still the incorrect amount despite multiple attempts to correct this going back to XXXXXXXX XXXX XXXXXXXX. I was told to recertify my income prematurely by Mohela in XX/XX/XXXX prior to the end of the federal student loan payment pause in XXXX when it actually wasn't due until XX/XX/XXXX. My income had gone up and therefore my payments went up significantly after updating my income. After I caught the mistake, I asked Mohela to change the monthly amount owed to my previous billing cycles when I had been making active payments approximately {$270.00} per month. They put me in administrative forbearance and I was assured that they would correct this and resume payments at the correct amount within a few months. However, each time since then, they keep recalculating payments based on XXXX yr standard repayment and not on my old income with IDR plan PAYE. My monthly payment should be {$270.00} per month and then reassessed when I am due for next income recertification which now shouldn't be until later this summer after Biden 's announcement, but they keep calculating {$1400.00}. That mistake would have potentially cost me near {$9000.00} difference so far over the last 6 months and will come closer to {$18000.00} overpayment by this summer if it does not get adjusted. I find this to be completely unacceptable as they have had several changes to correct over the last 6 months. My other big frustration is that I have missed out on 6 months of payments that would have qualified for PSLF now due to being stuck in Administrative Forbearance during all this time. I am so upset and don't know what else to do because every time I call customer service ( at least 3 or 4 times now during this period ) I wait on hold for hours at a time to keep getting the same result. I didn't want to contact Ombudsman or file formal complaint with the Consumer Financial Protection Bureau but feel like there are no other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been two fraudulent credit card accounts reported all three credit bureaus for several years. This is done by XXXX XXXX XXXX. I have made several attempts over the years to rectify the situation. Every attempt has resulted in the information still reporting incorrectly. Ive asked XXXX XXXX XXXX to provide me with account signatures and details and I have felt to do so. They say that the account is legitimate as per my telephone number. Im a public figure and my number is used in share by many people. I have never looked at the address that they claim legitimizes the account. I am seeking help to finally rectify the situation as these is a fraudulent accounts. 

Again, I have asked XXXX XXXX XXXX  for proof of documentation and contracts and it never has been provided to me. 

These are the credit cards as per Experian : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

Here is the fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX
Product: Debt collection

My home phone number is XXXX. My name is XXXX. CCS, a debt collector, their phone number is XXXX keeps calling on a debt to a person by the name of XXXX all hours of the morning and evening. Most recent call to us were made at XXXX and XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX and XXXX XX/XX/XXXX. I have continually told them I am not this person and have no relationship to this person. They say I will not be called again and they continue to call, this has gone on for months. The last time they said that this number was removed from their system in 2013 and they have no record of the auto calls. My name is XXXX and I can not get them to stop harassing me for a debt that is not ours. These are the most recent calls from my caller ID, even though there have been substantially more.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX