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

On Saturday XX/XX/XXXX. I made a sellings and received the funds on my paypal account, when I was trying to withdraw the money, paypal limited my account since that day and they request some information, like my ID card, proof of the sellings and things like that. 

Today, XX/XX/18 they just decided to hold my funds for 180 days, whitout appelation and whitout reason
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 Account number : XXXX reported on my report late payments. According to 15 USC 1681 transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I was monitoring my credit report and seen that there are hard inquiries on my credit report that dont have permissible purpose on them. According to the fair credit act. Anything furnished on my credit report should reflect Permissible Purpose according to 15 USC 1681 B. 

Please see the items below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Times 5 listed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items need to be deleted off my personal credit file.
Product: Debt collection

RECOVERY ONE is claiming that I owe them {$190.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Product Complaint Unauthorized XXXX XXXX  Transactions Dear Discover Bank, I am writing to express my dissatisfaction and file a formal complaint regarding the unauthorized transactions that drained my Discover checking account on XX/XX/XXXX. Despite being a loyal customer since XX/XX/XXXX, I have been subject to a serious breach of my account, resulting in the loss of over {$1500.00}. The unauthorized transactions were made through a XXXX XXXX account that was not linked to my own and that I have never recognized. Upon discovering the fraudulent charges, I immediately reported the incident to Discover Bank on the same day. I was told I had to wait until the XXXX to call back and file a dispute because the charges were still pending. However, despite following your instructions, I was denied a dispute and reimbursed only {$15.00} for XXXX of the transactions. Subsequently, I contacted XXXX XXXX and obtained confirmation that the transactions originated from another individual 's account. I provided Discover Bank with this information, along with a police report, screenshots, and a transcript of my communication with XXXX XXXX. To my astonishment, my dispute was closed and denied without my knowledge or consent. When I questioned this decision, I was repeatedly told that the documents I provided did not support my case. I find this response unacceptable. The evidence clearly demonstrates that my account was compromised, and that the charges were unauthorized. Furthermore, Discover Bank 's promise of {$0.00} Fraud Liability Guarantee has been violated. I have repeatedly escalated my complaint and demanded a resolution. However, I have been met with indifference and a lack of accountability. I have spent countless hours providing documentation and evidence, only to be dismissed and denied justice. I am deeply disappointed by Discover Bank 's failure to protect my account and its apathetic handling of this matter. If this complaint is not resolved promptly and satisfactorily, I will have no choice but to escalate the matter to the Consumer Financial Protection Bureau and consider legal action. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 NUMBER : 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 - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> 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 inquiries in my report and Equifax 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, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The collection company SOURCE RECEIVABLES M is trying to collect a debt that has been discharged in my bankruptcy. Please delete this account from my XXXX  and XXXX  credit report. The account shows a balance for {$1800.00}. The original creditor was XXXX. I already submit a dispute but they told me the information is accurate but is not. My lawer is aware about this situation and he told me they suppose to removed that information from my report,
Product: Mortgage

I have requested cancellation of FHA monthly mortgage insurance premium ( MIP ) on my mortgage loan, which is serviced by Nationstar. Cancellation is required under the law, because I have met all of the requirements under the law and regulations applicable to my mortgage loan. On several different occasions, I contacted customer service and requested confirmation that MIP would be eliminated once the LTV was brought to below 78 %. Each time I was sent a " PMI Cancellation Request '' form that purported to require me to authorize Nationstar to order an appraisal on my behalf at my expense. I refuse to consent to such an appraisal being ordered, as it is not necessary under my loan program. The pertinent regulations require cancellation once the LTV has dropped below 78 % of the purchase price.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Checking or savings account

I placed a check refill order. The checks never arrived. Someone got the checks and used forged signatures to withdraw money from my account fraudulently for a total of {$61000.00}. 

I became aware of the fraud on XX/XX/2022 and contacted both customer service and the police that day. It took 55 days for them to mail be a claim packet. I filled out the claim, had it notarized, and sent it on XX/XX/2022. 

XXXX XXXX XXXX  has not returned these funds. 
XXXX XXXX XXXX has not contacted me with any updates. 

XXXX Police XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance XXXX {$510.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

THESE ACCOUNTS ARE NEVER MINE AND MUST BE TAKEN OFF FROM MY REPORT
Product: Debt collection

XXXX XXXX has repeatedly called my phone, looking for one of their debtors. I have repeatedly asked them to stop, to put me on their " do not call '' list, and to cease discussing someone's else 's medical debt. Instead, they continue to ask invasive questions ( asking if I know their debtor, what my name is, if I use the same offices, what my birthdate and social security number is, etc ) until I hang up. I blocked their number with my cell service and independently on my phone, and yet they still call endlessly and leave voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

XXXX XXXX has submitted the incorrect information to the credit bureau 's. They claim and are reporting an amount that I believe is incorrect, and completely false. I have written a letter to them requesting that this information be verified as I dispute this information ; however they did not mark the account disputed on my credit file within the 30 time frame required by law, nor have they responded to my previous efforts to communicate with them in writing.
Product: Debt collection

I first discovered this account on my credit report and immediately send a letter of dispute on or around XX/XX/2019 and received no response. I have also included a dispute with the 3 major credit reporting buerus and it remains on my credit report.
Product: Credit reporting

XXXX has a partnership with Experian. They have a credit score on my landing page that says its mine. It was XXXX, so i went ahead and applied for a car loan. They turned me down. They told me they dont use that score but pull from Experian and XXXX. They suggested i pull the report from them, so i did and Experian is XXXX points lower. When i called to ask why no one would say, they said there is XXXX negative report, and to dispute it. I did and every since than my score has been going down daily, yet when i call they wo n't answer why even though i have a subscription with them. They refuse and either transfer me or tell me to call XXXX Its XXXX deragatory payment that is not correct. I ca n't get anyone to help me. My credit score has dropped daily since i started to ask why ...
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.
Product: Mortgage

On XX/XX/20 I spoke with Wells Fargo re : my mortgage payments. Mortgage # XXXX On line support # XXXX XX/XX/20 case # XXXX Investigating why my XXXX mortgage payment was applied to PRINCIPAL! Ms. XXXX XXXX # XXXX ext : XXXX. I previously spoke to Mr XXXX XXXX with Exec. office who initiated investigation on Friday. XX/XX/20. This is 2nd month in a row where my funds have been misappropriated. ! st time I lodged complaint to FTC on XX/XX/20 complaint # XXXX. So in reality this is second complaint about Wells Fargo misappropriating my money! Sorry I lodged 1st complaint with the FTC versus this venue. 
So this is second time where I sent my mortgage payment in early & again my funds were misappropriated. My mortgage is $ XXXX & I had added {$200.00} additional for principal. Whomever handles the mail in checks added data in computer that the total amount was to pay towards principal. This is second month in a row it has occurred. Last month now this month. Last month I spoke with a XXXX XXXX of the executive office about the issue. This month I just spome to XXXX XXXX. Mr XXXX relayed he will givwe information to a XXXX XXXX as she is handling investigation. BUT I informed both Mr  XXXX & Mr XXXX this is about 4th or 5th time this has occurred where Wells Fargo misappropriating my funds. Which should NOT occur since it is explicit on payment stub what is mortgage payment & what is additional principal. plus I hand write it on my check which month the mortgage payment is for. I write month & year of mortgage payment in long hand & in memo part of my check it is my acct. # So why is their personnel misappropriating my money???? And as previously stated this is second month in a row it has occurred & it has happened in past also. So in essence it has happened top me @ least 4-5 times! Please help & make them STOP misappropriating my funds.
Product: Mortgage

APPARENTLY, I ASSUME SOMEONE FROM THE CFPB IS WORKING TODAY OR YOUR SYSTEM IS HACKED. THE LAST COMPLAINT IS ALREADY STATING SENT TO THE REGULATOR. THE ONLY ADDITIONAL OPTION WILL BE TO ASSUME KEEP WORKS OR PHRASES CAUSES A LEVEL OF FILTERING. 
I AM REQUESTING THE CFPB TO REVIEW THE UPLOAD DOCUMENTS. PLEASE NOTE SOMEONE CREATED THE XXXX XXXX FOR XXXX FROM THE SAME TEMPLATE AS BANK OF AMERICA ITS SO FRADULUENT IF YOU NOTICE THE ACCOUNT NUMBER AT THE TOP OF THE PAGE IS THE SAME XXXX. THESE FRAUD DOCS PERTAIN TO XXXX XXXX XXXX, XXXX GA XXXX, I AM REQUESTING ALL DOCUMENTS FROM BANK OF AMERICA AS THIS LOAD IS FRADULUENT AS WELL. 

THIS IS PATHETIC!
Product: Checking or savings account

Wells Fargo Bank ( XXXX Alaska ) gave unauthorized access to safe deposit box letting family member empty box with No accountability without any documentation correct paper work. Bank called to inform me of the error. Asked the family member to return the items they have refused. The bank is not taking responsibility for their error and acting like there is no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. XXXX and Equifax failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them
Product: Mortgage

Agreed to switch to NVR Mortgage contingent on all fees being waived. NVR said that they would have to charge me {$100.00} for appraisal but would refund me after closing. I called loan processor day before and day of closing to confirm this was still the case. On my closing documents I ended up being charged {$150.00} for appraisal. Waited a month for refund and still nothing. Eventually asked what problem was and they didnt even know a fee had been left on at closing. After looking into it they finally realized appraiser charged {$150.00} for a rush fee. Not sure how that is relevant to the original agreement of no fees on my end. Received the following explanations from NVR through email. 

XXXX When you and I spoke the day before, I was not made aware of the fee that the appraiser added to the invoice. So what you and I discussed of the appraisal being refunded was completed. They have the ability to add that additional charge if they are turning around the report in under 24 hours. In this case they did. I am not directly involved, nor is XXXX with the ordering of the appraisals so neither of us would have been made aware of this till after the fact. 

With what I confirmed with our Operations Director, yes we are not able to override our system and refund the rush fee that was applied to closing. Let me know if you have any other questions. 

Thank you, XXXX XXXX, That is correct we can not reimburse the rush fee the appraiser charged. We covered all of your fees and provided you with an excellent deal. We also closed your loan in record time. I appreciate you giving us the opportunity to win your business and congratulations again on the closing. 

This is either gross negligence for not informing me beforehand or they just straight up lied to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX SSN : XXXX XXXX : XX/XX/scrub>XXXX  To : XXXX XXXX XXXX XXXX Experian ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, BankruptcyXXXX XXXX, BankruptcyXXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXX, TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification. 

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. 

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.