23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly.

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute two unauthorized accounts that have appeared on my credit report. I recently discovered that my identity was compromised in a data breach, and I did not open these accounts. I am a victim of identity theft and request that these fraudulent accounts be removed from my credit file immediately. 
The disputed accounts are as follows : XXXX. XXXX XXXX XXXX * Account Number : [ XXXX ] * Open Date : XX/XX/XXXX * Balance : {$22000.00} * Status : Open with past due balance of {$1000.00} XXXX. Credence Resource Management ( T-Mobile Collection ) * Account Number : [ Last XXXX digits if available ] * Open Date : XX/XX/XXXX * Balance : {$1700.00} * Status : Collection Account with past due balance of {$1700.00} I did not authorize or open these accounts, and the were fraudulently created using my stolen personal information. I have enclosed copies of my credit report highlighting the disputed accounts, a police report/FTC Identity Theft Report ( if available ), and any supporting documentation. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent accounts be removed from my credit file as soon as possible. 
Please conduct an immediate investigation and provide a written response confirming the deletion or correction of these accounts. 
Additionally, I request that a fraud alert be placed on my credit file to prevent further fraudulent activity. 
Thank you for your prompt attention to this matter. Please contact me at the number below
Product: Money transfer, virtual currency, or money service

My complaint is about PayPal. Complaint Against PayPal Unjustified Holding of Funds Hurting My Business I am a long-time PayPal customer and an e-commerce business owner. PayPal has been a great partner in my business, and I have fully embraced their ecosystem, including payment processing, instant transfers, and their XXXX XXXX loan program. I have always complied with their policies and have generated significant revenue for them. 

However, PayPal has been holding over {$9000.00} of my funds for months with no valid explanation. They have also been taking 10 % of every transaction and holding it indefinitely, which is severely harming my business. 

Why This is a Problem : XXXX. Severe Cash Flow Disruption Every order processed through PayPal incurs fees : Standard processing fees ( a few % per order ). 
30 % repayment on my PayPal XXXX XXXX loan. 
An additional 10 % hold on top of that, which I can not access. 
This means I am not receiving enough money from sales to even cover my Cost of Goods Sold ( COGS ), making it impossible to fulfill new orders.

2. Repeated Calls & No Resolution I have called 18 times asking for an explanation or release of my funds.

Every representative tells me its to cover potential chargeback disputes, but my chargeback rate is less than 0.5 % far below industry risk thresholds.

Even after confirming my disputes are not an issue, they refuse to release my money.

Instead of working with me, they shut me down rudely and provide no path forward.

Urgent Request : I need this {$9000.00} released immediately to continue operating my business. I have been patient and cooperative, but this ongoing freeze is putting my business at risk. I am not trying to manipulate PayPal by creating a new account or bypass their systemI just want to be treated fairly.

I ask that PayPal : Immediately release the {$9000.00} they have held for months.

Review and remove the 10 % rolling hold that is strangling my cash flow.

Provide a clear, legitimate explanation if they refuse to release my funds. 

PayPal is an essential part of my business, and I want to maintain a positive relationship with them. However, this unjustified holding of my money is making it impossible to operate. I hope the CFPB can help resolve this situation fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attachedXXXX XXXX XXXX XXXX XXXX. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 open disputes on derogatory reports filed by Firstmark Services/Access XXXX XXXX on my student loans. There is one payment due monthly to Firstmark, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Kept receiving phone calls that started around XX/XX/year> from a few different numbers that never left a voicemail. I received a letter at my mother 's home that was in my name and was from the CBE Group debt collections claiming I owed them over XXXX from an overdue XXXX account. On XX/XX/year>, I answered CBE 's phone call and they wanted me to pay that " debt '' right then and there, but none of the information they provided ( other than my old address and name ) was correct. I hung up, blocked their numbers, but they continued to call incessantly. On XX/XX/year>, I finally called XXXX and they said I have no debt owed. I also called CBE to try to have them validate this yet again, and they couldn't even tell me what the purchases were and they kept wanting me to give them more personal information in order to " dispute the debt ''. After being on the phone for far too long and going in circles, I told them for the millionth time that this is not my debt, I will not be paying it, and basically leave me alone and stop calling.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I received a copy of my consumer report with accounts furnished fraudulently. The consumer reporting agency has failed to investigate my credit report multiple times. I have been a victim of Identity theft like I stated in my prior communication. According to 15 USC 1692G All debt collectors are required to provide sufficient evidence to validate their attempts to collect on a debt. No evidence has been provided to me to validate these accounts in question. I have no consumer credit contracts with these companies nor have I ever consented to any of these companies to use my non public personal information.he accounts I am referring to is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied through the Check n ' Go online service for a personal loan. At the beginning of the application, it stated that applying would not affect your credit score. After proceeding to enter personal and bank login information, agreeing to online documents, etc. I received a message that I was denied. I decided to check my credit score and saw that my XXXX  score dropped drastically in the amout of XXXX points based off Check N ' Go 's hard inquiry. 
I called the local store and spoke to XXXX XXXX who stated he was the local Store Manager and confirmed he has never heard of a customer experiencing more than a XXXX point drop in their credit score for a hard inquiry from Check N ' Go. He then directed me to what he says was Customer Service at the number XXXX. I called and spoke to a rep who confirmed I had reached Feedback. He then told me to call XXXX to reach the actual Customer Care line. I called and spoke to someone named XXXX and he confirmed he had never spoke to a customer with no more than XXXX points of a drop in their credit score. He proceeded to say he could be of no assistance, and I needed to contact the credit bureau as they control the amount of points taken during an inquiry. Here I am. I want reasoning for a XXXX point drop in my XXXXredit score for a hard inquiry.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding my stolen identity and would appreciate your assistance. Could you kindly remove the specific item and ensure that all other incorrect information is updated promptly? Your quick response would mean a lot to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to allow erroneous and inaccurate information on my credit report regarding a Macy 's account. There are numerous issues with this account. XXXX has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. Macys is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.
Product: Mortgage

In XXXX of 2019, my mortgage company, Ditech forwarded notice of intent to forclose within 60 - 90 days if payments were not met. In XXXX of 2019, I contacted XXXX 's ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX program to work out a loan modification program. We submitted documents to substantiate our request. In XXXX of 2019, my home was in line for forclosure for failure to make timely payments. The scheduled date was XX/XX/2019. On XX/XX/XXXX, I was accepted into a trial payment program which lowered the cost of my mortgage by {$300.00}. I entered into the agreement and made timely payments that began in XXXX. The last payment was made in XXXX. After finishishing the required payments, Ditech indicated they were ready to proceed with a 360 degree loan modification, but there was a lein of $ XXXX on the home and the lender of that loan needed to agree to take second position and sign a subordination agreement. The company was XXXX XXXX, a federally funded program. They paid my mortgage for me for 2 years during a long illness I had. After the program eligibility was over, they place a 5 yr lien on the property that is released once the time frame is met. XXXX XXXX agreed to take second position as asked for the documentation. Ditech forwarded me the proposed agreement, that outlined what was owed to Dietech, what was owed to XXXX XXXX, and the proposed terms. XXXX XXXX informed Ditech that per Federal Regulation that XXXX XXXX  is under, it is required they ( Ditech ) provide a final total in writing. During a phone call on XXXX with both parties and myself present, Ditech stated they do not provide what was being asked. XXXX XXXX  then said they would accept a final payout from them in writing to satisfy the Federal Government requirement. The request was made by Ditech official to obtain the payout letter before the call was over. Ditech has given me until XXXX to get the subordination agreement signed. I called everyday since then to obtain the payoff and to date they still have not provided it. XXXX XXXX can not sign the agreement unless all regulations are followed and Ditech refuses to do so in a timely manner. I have asked for an extension on 4 occasions to allow for the payoff letter from their attorneys to get generated so we could move on with the loan. Today is XXXX. Ditech underwriters said they will not give me an extension because they followed all the rules and don't have to give XXXX XXXX  what they asked for. Further, they said that all the payments I made thus far will be null and void and I will have to go through the long process all over again and wait to see if they will accept me back into the program. My problem is that even if I can get back into the program, we will run into the same problem where they will have to produce the paperwork the way the Federal Government requires and I will be in the same position 6 months from now because it will still have to go to XXXX XXXX for the subordination agreement,.
Product: Bank account or service

Chase Bank ( XXXX XXXX ) received my retirement funds - a wire transfer from a 401 retirement account and placed them in a Chase retirement account at .75 % interest. Chase Bank then reduced my interest on these retirement funds to .05 %. Furthermore they charged me {$30.00} a year as a " Maintenance Fee ''. Over the five years that I had this account - I now have less money than I started with in my retirement account. The Chase Bank in XXXX XXXX ( XXXX XXXX ) told me that I had to inquire to their " Retirement Plan Division '' located in Florida. After repeated attempts and speaking with XXXX XXXX and others many times - I was told that Chase had the right to charge anything they wanted to. I asked XXXX XXXX to produce the document that I had signed that allowed the bank to take funds out of my retirement fund - XXXX XXXX refused to produce any signed documents. 
The " Retirement Plan Division '' located in Florida decreased my interest rate on me retirement fund CD from .75 % to .05 % in XXXX years. With the fees and the almost nonexistent interest rate, I will have less money in the account than I started with. I talked to numerous individuals with Chase Bank ( " Retirement Division '' ) and was told that they could do anything they wanted to and it was my fault for letting them do it. 
I have no doubt that the " Retirement Plan Division '' of Chase Bank is bilking many other retirees out of their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2019, I was notified by XXXX that my credit score had been changed from XXXX to XXXX, and to immediately contact the credit reporting agency Equifax. I did so and dealt with an agent in XXXX. I asked why and who dropped my credit score without notification as to why. I went through a number of questions and was told that they couldn't really tell me why. I then demanded to speak to someone of authority and to ascertain what happened. I was ultimately passed to a person who stated that XXXX XXXX had reported me deceased so they dropped my score to XXXX. After all the questioning, the person gathered that she was talking to the actual person and that I was obviously not deceased. They advised me I had to rectify the problem with XXXX XXXX. I immediately called them and was told that Equifax was being less than honest as they showed my account ahead in payments by months and that when a client dies, it is clearly marked on the file and mine was definitely NOT marked as deceased. I then called Equifax back and informed them that the ERROR appeared to be on their end not XXXX XXXX. I was told to then file a dispute and it would be investigated. Equifax sent me a form on XX/XX/XXXX stating that my XXXX account had been " updated '' to show that I was no longer deceased, BUT Equifax still has not updated my credit score. I also called XXXX XXXX back and asked if they had changed my status and they advised they had not because they had never listed me as deceased in the first place. I want my credit score updated immediately. 
I thank you in advance for your assistance.
Product: Vehicle loan or lease

During the duration of the term, my Monthly payment was XXXX XXXX I did have the payments reduced to a more manageable XXXX $ a month, however I was dealing with a landlord in which was extorting money from us. This caused me to miss a payment in XXXX. In XXXX, Reprise Financial reverted the payment plan and immediately repossessed the car stating I would have to pay XXXX $ in order to get the car back. The car was then sold at Auction and the loan amount was only reduced by XXXX $ in which is XXXX $ below the XXXX XXXX XXXX fair market sale price. This leading me to believe they are taking part in malicious and unfair practices.
Product: Credit reporting or other personal consumer reports

I requested that Equifax Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This grumbling to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XX/XX/year>, I sent my first letter requesting validation of this account. I followed up with a second letter on XX/XX/year>. Despite these requests, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided the necessary proof to support the legitimacy of this debt. As a result, I am requesting that XXXX, XXXX, and Equifax remove this alleged account from my credit report under the Doctrine of Estoppel by Silence. 
1. Not authorized to conduct business in the state of Florida.

2. Failed to cease collection ( XXXX, XXXX, EQUIFAX ) on the debt validation PROCESS
Product: Checking or savings account

I made a deposit on XXXX into my account at Key Bank on XXXX in XXXX, XXXX. It was a cashiers check from XXXX XXXX  for {$57000.00} from the sale of a vehicle. On Friday evening, XXXX. I tried to use my debit card and it was declined. When I went to my account app it showed my account had negative available balance of approx. {$48000.00}. There was a hold on my account on XXXX for {$57000.00} and a second hold for the same amount on XXXX. I was told the first hold was for reasonable suspicion and the second hold was because the check " bounced back ''. She suggested I go to the branch where I made the deposit. She could not explain how they could hold the same deposit twice against my account. At the branch I was told the same thing and given a copy of the check so I could go to XXXX XXXX  to find out why it bounced back. When I went to XXXX they told me it was a fraudulent check. Upon going back to Key Bank and after several phone calls. No one has been able to help me. The hold will not be released until XX/XX/year>. There was XXXX no other communication from the bank to let me know this had happened until I used my card and it was declined. That is a week with no access to the money I had in This account before I made this deposit. I feel like a have been scammed twice. Once by the person who bought or technically stole my vehicle and second by my own bank who is keeping my money XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX their failure to address and investigate inaccuracies in reporting on my XXXX, XXXX, and Experian credit reports. On XX/XX/XXXX, I sent a dispute letter to XXXX , requesting an investigation into the inaccurate reporting of an account that appears on all three of my credit reports. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX has XXXX to update the reporting on my credit reports accordingly. 

From XXXX, it is evident that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. Experian shows payments made on time from XX/XX/XXXX to XX/XX/XXXX, with no further data available. XXXX is not reporting any payment history at all. Furthermore, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' Experian is reporting as " charge off, '' and XXXX is reporting as " Included on Bankruptcy. '' In my dispute letter, I specifically requested SYNCB/Amazon to XXXX detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX 

On XX/XX/XXXX, I sent another dispute letter to XXXX , urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX for their failure to investigate and correct the inaccuracies in reporting on my credit reports.