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

COMPANY : XXXX XXXX XXXX XXXX. 

On XX/XX/2019 our Business account XXXX was limited by Paypal after being a loyal customer for 10 years. The limitation meant that all funds were blocked. We could not send payments, withdraw or make any changes. We could only receive money. 

Paypal provided NO warning about this. They simply limited our account. When we logged in to see we noticed a warning with a request to provide them additional information about our company and the individual using this account. We promptly provided the information requested. 

The next day we received an email from their Compliance saying that some of the information could not be accepted. We reviewed this and found the correct documents and we then provided the correct information on Wednesday XX/XX/2019 after which their system said that we would be updated in 2-3 business days. Its been 9 days since we provided this information and we have not received any follow-up or any kind of help following numerous emails sent to XXXX and phone calls we made to Paypal support. 

When we call Paypal support they confirm they have the information but that they just tell us they can not do anything as it is only the Compliance dept that can do something, but the Compliance Dept does not take any phone calls! How can settle this? We have tried to-do this amicably and using all normal routes but we get no help from anyone. Its extremely frustrating. We get no replies to our emails and no follow-up from anyone. 

Our funds have been held hostage by Paypal for 12 days now. This is unacceptable.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

My husband died in XX/XX/ 2017. About this time he started getting advertising and credit card information from XXXX XXXX XXXX. He had been ill for many years and had not even before then been in a XXXX XXXX XXXX let alone opened a credit account. They had never asked for payments. 
Today someone called from XXXX  (? ) agency seeking payments. He knew my husband had died and asked the date. When he started talking about money I hung up. I'm sure this kind of scam would have planted seeds of doubt in many widows. 
I'm am just reporting that this is happening.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section XXXX A Section XXXX : 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'm being charged for a Student Loan that does not belong to me. And have tried to resolve this matter, than to make things worse with all the research I been doing the company has been running a Scam. I need the student loan to be removed from my credit account from all 3 credit bureau. XXXX, XXXX XXXX XXXX I can't believe that this company has ruined me they have me down on XXXX student loans how could this company do that to me. I need this to be resolved immediately. 

NAVIENT XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ) {$17000.00} XXXX ) {$9300.00} XXXX ) {$7800.00} XXXX ) {$3400.00} XXXX ) {$3300.00} XXXX ) {$3200.00} XXXX ) {$2100.00} It Totals the Amount of {$47000.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According

to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Mortgage

I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. 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. Equifax has not complied 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 is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Debt collection

XXXX XXXX At XXXX XXXX have damaged my and my XXXX sons credit the allowed the apartment to be rented with an outstanding huge amount on the water bill and pended this amount on us when we moved out the apartment was very clean they did not give us an itemized bill of move out which I have on file we cleaned the apartment but the carpet was so bad she said dont cleaned them we have a letter stating that. this water bill XXXX XXXX XXXX XXXX says it wast my bill it had to do with the complex and one day the whole entire complex went without water became of their outstanding bill, before we moved in now the XXXX $ water bill is theirs they said its rent but its the water bill. We paid XXXX $ plus XXXX reservation fee and XXXX $ pet fee we dont owed and they gave me only XXXX credit for cleaning the apartment when it was immaculate. This is not fair I can rent they is trying to stick me with their water bill and saying its unpaid rent
Product: Debt collection

XXXX XXXX put collection on my credit for a XXXX 's account. I had insurance with XXXX 's. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from XXXX and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
Product: Mortgage

I filed out the online application on loancabin.com in late XX/XX/XXXX. I was contacted by a Loan Cabin rep the next day and was told that a loan originator ( XXXX? ) would contact me shortly. In early XXXX, XXXX informed me ( via telehpone ) that I was pre qualified and I would receive my pre qualified letter shortly. The loancabin.com site does not have any way to upload documents, nor did XXXX ask me for any documents. I have never heard back from XXXX. I called Loan Cabin a few days later to get XXXX 's contact info ( XXXX ) and emailed him on XX/XX/XXXX. Still no response. 

I called Loan Cabin on XX/XX/XXXX and spoke with XXXX (? ) to file a complaint. She stated that she would contact XXXX to obtain an update or would find me another loan originator to work with. I still haven't received a response from Loan Cabin. I called and left a message on XX/XX/XXXX. I emailed their complaint department ( XXXX ) on XX/XX/XXXX. 

Loan Cabin has pulled my credit report. I need my application to be cancelled and to have my credit report inquiry to be retracted/deleted. 

Today is XX/XX/XXXX ... I still haven't received any response from Loan Cabin. 

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

This company Is in violation of Gramm-Leach-Bliley act for sharing my non public personal information with nonaffiliated third party companies.

I choose to exercise my right to opt out of having any account with this company report to the consumer reporting agencies under law 15 usc 6802
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, my information was exposed in an XXXX data breach. Please remove all accounts listed in this FTC report under section 605B within four days. The following inquires are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX XXXX sent an email rather than a letter through XXXX XXXXXXXX XXXX of an attempt to collect a debt not owed. I called the company and informed them that I do not owe this debt and have correspondence with their client that I disputed these false charges. The rep was not helpful and did not care. 

XXXX XXXX has never sent me any notice or communication via XXXX XXXX XXXX concerning this account after I disputed the charges via email in XXXX  XXXX XXXX has also no responded to any communications from me concerning this debt. I do not owe XXXX XXXX {$950.00}. My due process as a tenant in the state of XXXX were violated when no communication was received after I disputed the charges. 

Concerning Hunter Warfield, if I had not checked my spam email folder, I would not be aware of this debt. As of XXXX, I have yet to receive a notice in the mail. If Hunter Warfield does not cease collection, I will have to name them as secondary defendant in my small claims court case filed in XXXXXXXX XXXX against their client, XXXX XXXX.
Product: Credit card or prepaid card

I applied to a pre-qualified offer and was denied based on an invalid reason.
Product: Debt collection

These debts are not mines. They are being falsely reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint regarding erroneous and illegal charges placed on my mortgage payments by XXXX XXXX  through its agent XXXXe. ( Complaint Number XXXX. ) This is not a supplement to that complaint, but a new matter that I discovered when I spoke by phone on XX/XX/XXXX with a representative from XXXX. 

As mentioned in my XX/XX/XXXX complaint, for the past couple of years, I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. ( See attached Account History. Additional proof of continuous timely payments will be provided upon request. ) The loan was subsequently sold to XXXX in late XXXX. At the time of the change-over, I received a letter from XXXX stating, in pertinent part, that there would be no changes to my mortgage loan account and I need not take any new action. ( See attached letter from XXXX. ) Throughout the course of the loan, I have always made traditional payments that included both principal and interest. However, when speaking to XXXX representative XXXX on XX/XX/XXXX, I learned that on XX/XX/XXXX, my payment was allocated solely to principal, with no interest paid at all. ( See attached Customer Account XXXX XXXX XXXX. ) I never instructed XXXX or XXXX to make such allocation. This was done without my knowledge or consent. 

As a result of this mis-allocation, my loan payment is now considered late - and presumed to be {$6900.00} in arrears. ( See attached Monthly Statement dated XX/XX/XXXX. ) Again, I am not, and never have been, late with any loan payment. This is entirely due to the bank 's error. 

As noted in my XX/XX/XXXX complaint, my credit score has been negatively impacted by the actions of XXXX and/or XXXX. My Equifax score decreased 98 points -- from XXXX to XXXX - in early XXXX. ( See attached screenshot of my credit score. ) I do not know whether the decrease is the result of the additional charges erroneously placed on my account as described in the XX/XX/XXXX complaint, or whether it is due to the misallocation of my XX/XX/XXXX payment. For this reason, I am filing a second, separate complaint to address this matter. 

Also as noted previously, the errors by XXXX and subsequent derogatory credit reports are causing me real damage. As a real estate developer, I need to be able to finance and refinance loans. I have already been declined a refinance due to the negative credit report and, since the problem is due to an allegedly late mortgage payment, I have been told I will not be able to refinance for at least a 12-month period. ( See attached letter from mortgage broker XXXX XXXX. ) This puts my entire real estate endeavor at risk. 

I need to have the bank errors. corrected as quickly as possible and my credit restored so that I can proceed without further harm to my business enterprises. 

Thank you for your anticipated prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED IS AN FTC REPORT WITH THE HARD INQUIRIES LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

A thief stole my social security number and used it to hack into my Experian account and run several soft inquiries and two hard inquiries ( XXXX and XXXX  ). I was able to stop the XXXX card in the application process. I was able to close two credit cards opened with BOA, via their Fraud department. Experian is showing both were legit inquiries even though they were not run by me. Again, the thief was able to access my Experian account and change the email address to XXXX ( not my email and I have since corrected this ). I learned of the identity theft when the thief set up an account with USPS and placed my mail on hold. USPS has been notified and I was able to retrieve my mail before the thief did. A police report has also been created. I'm not sure what the call to action is here. More than anything, I'm wanting to alert you to how easy it was for someone to gain access to my SSN and subsequently my credit report.