23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

mY LOAN WAS TRANSFERRED IN XXXX, AND IN XXXX THERE REMAINS UNAPPLIED FUNDS AND SURPLUS OF ESCROW IN THE ACCOUNT AND THEY WILL NOT ISSUE A REFUND TO ME FOR THIS MONEY. iTS BEEN SITTING IN THE ACCOUNT FOR 8 MONTHS NOW,
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 and list of Inquiries. 

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: Debt collection

Diversified Consultants is reporting this account on my credit report for XXXX with account number XXXX after it was being reported & deleted by XXXX XXXXXXXX XXXX account number XXXX. I disputed this account per the FCRA and FDCPA and it was deleted by XXXX XXXX because it was not accurate and could not be verified or validated. Then, I get an alert on my credit report that Diversified Consultants reported it and I was never even sent anything in the mail from them. They just put it on my credit report and never gave me a chance to dispute it. This is a violation of the FCRA and FDCPA and should not be allowed.
Product: Money transfer, virtual currency, or money service

Paypal put my account in a permanently limited state without telling the reason why and they are not responding to any of my emails. 

I closed my account a few years ago and then reopened it a few weeks ago with my bank debit card. They then put it in a limited state and asked for personal information, once I did they lifted the limitation. 
I then made a request for the Paypal debit card to be mailed to me and changed my registered mailing address as I moved recently. They then told me that my account was permanently limited for 180 days and they're holding my money. 

When I tried to send them a message the messaging center auto responded that there are no agents available and to call back during business hours even though I called around noon. 
My account is frozen and they're not responding to my email and their phone number just automatically hangs up on you. 
As you can see by the screenshots attached their automated system is telling me they're close and to message them during business hours. While I am messaging during business hours.
Product: Vehicle loan or lease

ACA is showing late fees owed as well as 30 day late reports however, there are more often then not glitches with online payment system and representative charges {$6.00} to take payment over the phone
Product: Credit card or prepaid card

In XXXX, 2018 my company had requested a corporate American Express card. Two days after receiving the card it was stolen. I contacted American Express and provided them with the information. Needless to say they decided to switch the account over to an individual account and made me responsible. I told them this was a credit card fraud. We only had the card for three days then I closed the account. Since then, American Express has done everything possible to destroyed my credit rating. Now my credit score went from XXXX down XXXX. 

XXXX XXXX now has the case and advised me my credit rating will go down until I agree to pay the charge. Phone number is XXXX American Express disputes XXXX My contact number - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO 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

We never applied for paypal credit or received a card. We got a bill XXXXXXXX XXXX for approximately {$25.00}. We contacted them and asked what the bill was for. They could not say what it was for, but said it was from XX/XX/XXXX. We told them we did not purchase through them. We made several phone calls and we are getting invoices now that are up to {$180.00}. The company is PayPal Credit XXXX. Address is XXXX XXXX XXXX, XXXX, MD XXXX. We feel we are being scammed and until they can tell us what was bought, we will not pay them.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your agency 's ongoing noncompliance with federal credit reporting laws. Despite my previous disputes concerning the accuracy and legitimacy of certain items on my credit report, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continued communication after a certified cease-and-desist request, violating 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment, as defined under 15 U.S.C. 1692d ( Section 806 ).

Despite receiving a notice stating that your investigation was complete, the disputed accounts remain on my credit report. These accounts are inaccurate, and I never authorized them. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a claim against the Toyota-Lexus Financial Service, a lease agreement originated from a dealership in XXXX XXXX, California. In XX/XX/XXXX, I have discovered a fraudulent discrepancy on my credit report while purchasing my automobile. I immediately filed a police report in my resident state of Nevada. However, in XX/XX/XXXX, I was notified by my Security Manger regarding my clearance due to a few discrepancies on my credit report. These discrepancies happened at the same time frame when my fraudulent case with Toyota-Lexus Financial Services. I  then called each creditors and requested the Debt verification and they were unable to provide any proof and then removed or taken care of. On XXXX XX/XX/XXXX, I contacted the collection agency ( XXXX ) and spoke to a supervisor, XXXX XXXX, to request Verification of debt from the original creditor. 

On XXXX XX/XX/XXXX, according to the call from XXXX XXXX, XXXX representative, XXXX insisted that it was not fraud because the company has a copy of my driver license on its record. I contradicted what XXXX insisted by highlighting critical facts : my non-residence history in California, ( 2 ) third partys picking up the vehicle at the dealer-shop, and ( 3 ) the suspicious persons possible accessibilities to get my personal information. As of today, I still have not received any requested documents ( i.e. promissory note or a copy of my driver license that they claimed to have ) or updates from the Toyota- Financial Lexus Financial or dealership. 

I gave them ample time to provide me with verification of debt, however, as of today, I have not received anything from them. This has been hindering my security clearance and I need to resolve this case as soon as possible. I am reaching out to you to help resolve this matter as I have exhausted my resource. I am attaching a copy of my police report filed in XX/XX/XXXX.
Product: Credit reporting

I have been denied to start gas service with XXXX XXXX Ohio. XXXX states that there is a freeze on my SSN by Experian. After contacting Experian SEVERAL times I am informed by Experian that there is NO FREEZE on my SSN. I have written, emailed, and called both Experian and XXXX to no avail. Response from XXXX is I can not start service with a freeze. Response from Experian is that I do not have a freeze. It is totally impossible to speak with a person at Experian. XXXX will not discuss anything further with me until the freeze is lifted. I have not received any responses to my letters or requests from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Experian, has violated my rights.

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 XXXX XXXX  has been reporting inaccurate information on my credit report. 
and the credit bureaus won't delete the account thats in violation of my rights I am a victim of identity theft. I disputed fraudulent inquiries on XX/XX/2022 and Experian won't remove them either. This is defamation of character.
Product: Student loan

My loan was consolidated without my permission by either XXXX or Fedloan in XXXX after I had paid on the loan since XXXX. I was told by Fedloan that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( Fedloans contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. Fedloan or XXXX submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but XXXX XXXX XXXX is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than one loan to consolidate. XXXX or Fedloan committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of XXXX, who first held the loan, and Fedloan, who took the loan over from them. I have attached all of the documents I have related to the loan.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX Equifax I tried to view my credit report using life lock my XXXX score is XXXX then says deceased or not enough information on file i called life lock who then said to reach out to these places and i did I haven t been able to fix this its been over a month also at this current time someone. Is pretending to be me trying to get pay day loans. Also my husbands and my personal info is on the dark web national public data, XXXX XXXX XXXX I can't login to my XXXX XXXXXXXX account due to a data breach. I just found out about the equifax settlement my husband and my info impacted by these events. In having trouble getting any kind of help to restore identity and receive what us rightfully ours from the cases.
Product: Credit card

I received a notice from CBindigo mastercard someone has applied for a credit card in my name. When I called them they said they need my SS # and address to look into it. I refused to give my SS # since I have never heard of this company or how they got my information.
Product: Credit card

My wife and I attempted to use the Chase Bank application to submit a payment from my XXXX XXXX savings account. Instead of just asking for the routing number and account number, Chase was asking for my login information, including password, to my XXXX accounts. Who in their right mind would provide a third party access to their accounts where this third party could have full ability to conduct any transactions they wanted? This seems very suspicious.
Product: Vehicle loan or lease

The vehicle was promised to put payments on the back of the loan ... when I went to sign the file documents they added more fees after car had broken down six times and couldn't afford to pay their astronomical fees added which were not agreed.. I was taken advantage of and this is robbery ... the car was also stolen ... and repossessed ... I lost my job as a result and thrown out of my home and cr dit ruined ... this is a misjustice ...
Product: Mortgage

My mother 's house is being foreclosed on by a company called Seterus. The problem is that they are filing the action on an old deed of trust and naming myself in the action. I am NOT on the 2007 ( current ) loan or deed. They are going to ruin my credit by naming me and I AM NOT A PARTY TO THIS FORECLOSURE AT ALL!! They have also been harassing me with several phone calls a day but leaving no messages. They are not responding to my attempts to rectify their error. I can not have my credit ruined by these bandits. They have a right to foreclose but not on an old deed with my name on it! Please help!!
Product: Money transfer, virtual currency, or money service

I was glad to hear cash app has been found for the fraud in which they have allowed I had three accounts to with them for the past 4 years the past three accounts I had I had thousands of dollars taken and I could not get a response regarding the numerous disputes I filed with them regarding my missing money with 2 accounts I had with them and the continued requesting refund of my money that was taken for cash app not to return money and the only response I was given was having them close my accounts to where I could not gain access to my accounts to try to get a copy to try to take another route in pursuing other forms of actions to cash app to get my money back. Which left me yo where I couldnt get information I needed to do so and had to come to terms that it was just lots of money gone.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my XXXX account was hacked into and withdrew {$55000.00} through 7-8 transactions from my US Bank checking account. I notified my bank the next morning and closed the account, opened a new one and filed a fraud claim through them. As of yesterday, XX/XX/2021, they have denied my claim and completely closed my accounts with them, ending our relationship indefinitely. They have not taken any course of action in fighting this for me and getting my money back. They sent me the audit log that was used in their investigation and clearly shows multiple different IP addresses withdrawing money from my checking account.
Product: Money transfer, virtual currency, or money service

Coinbase.com is not allowing me to withdraw my money. I have verified my identity with drivers license and selfie photo. I then have attempted for over 30 days to complete a questionairre verification. When I complete it accurately it says it could not locate my id. Does not make sense. I want to withdraw my {$4100.00} and have it deposited in my bank account from which it came. 

They said my ticket has reached critical status over two weeks ago and that someone will email me. No one has reached out to me after 30 calls and 30 emails to their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review your letter dated XXXX.XXXX.XXXX (attached here).Kindly request to remove hard inquiry from my report to those credit bureaus which were reported by yours in XXXX.
Product: Debt collection

On XX/XX/2018 the company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX. Located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Took out {$900.00} dollars from my XXXX XXXX XXXXXXXX account. When contacting them they said it was for a Credit Card from XXXX   from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XXXX 2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

XXXX XXXX company contacts me multiple times a day from random caller ID numbers. They start at XXXX XXXX and call until XXXX every two hours sometimes back to back. XX/XX/XXXX they contacted my mother who lives in Illinois and spoke to her regarding this loan. On XX/XX/XXXX they called another family member in XXXX XXXX, Ca regarding the loan. In both instances I was called by family members regarding the loan. I contacted them via email to state I would like to settle the debt. This is my private business and I do not want my family members involved. As now I am humiliated.
Product: Credit reporting or other personal consumer reports

I have requested that my name to be updated correctly, my name is XXXX XXXX not XXXX XXXX XXXX, please update correctly. As per my driver license and Social Security card. Lastly my address that is listed XXXX XXXX XXXXXXXX XXXX has not been my address in over XXXX  years and should not be on my credit, I was underage when I lived at that address remove that address immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

Credit acceptance charged an absurldy high price for a used vehicle. They refused to work with me in setting my balance and updating my credit report.
Product: Credit reporting or other personal consumer reports

I use to Have An Bank Account with XXXX XXXX someone stole and used my Social Security Number to do etc things with it, also I had a credit card with Capital One anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone