23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
Product: Money transfer, virtual currency, or money service

Despite receiving hundreds of thousands of fraud complaints, the banks have failed to use this information to prevent further fraud. They left users including myself vulnerable to fraud, especially by repeat offenders. My financial institution claimed it was impossible to trace or recover funds. They were not helpful and left people to fend for themselves
Product: Student loan

On XX/XX/2019 I received a call from XXXX XXXX XXXX XXXX on my personal cell phone from a person claiming to be with XXXX XXXX XXXX about a " personal business matter. '' This person would not inform me of what this was about until I provided personal information, which I did not provide. 

Later that morning I received a call on my work phone. I did not record the number, but it was the same organization on the line. Again, I could not verify that they have any legal claim to be reaching out to me, so I declined to answer any questions. 

About an hour later, my grandmother called to tell me that somebody had reached out to her about me. I suspect it was the same organization. 

Today, XX/XX/2019 I was informed that XXXX from the XXXX XXXX XXXX called someone at the firm I work for on this matter. The number they called from was XXXX XXXX XXXX. 

I have never received any mailed communication from this organization or any proof that they have any legal claim to be reaching out to me. I suspect this is in regards to student loan debt, however I already know who I pay student loan debt to. Further, if they are a legitimate debt service organization I would imagine they should be able to get up to date information from my school - my school knows where I live. 

The combination of their aggressive tactics and their inability to locate where I live to send me mail on the subject suggests to me that this is not a legitimate organization and I will not give any personal information to them until I am able to. I suspect I am being targeted as part of a scam.
Product: Credit card

This is my response to : XXXX from Paypals Global Customer Complaints & Advocacy with the CFPB complaint : XXXX. 

My PayPal Mastercard does not show as a payment method when using " Pay with Paypal '' at any sites checkout since XX/XX/2023. 

You suggest the following : 1 ) " We recommend that you check the PayPal Card details that you provided in your Account to ensure that the card number, expiration date, and billing address are correct and up to date '' -The paypal mastercard is something that is automatically linked and populated in my Paypal account. There is no way for me to modify the card number or expiration date. The billing address when attempting to place an order through " Pay with Paypal '' is always correct.

2 ) " If a Confirm Card link appears next to your card details, you will need to confirm the PayPal Card before you are able to use it further with PayPal. '' -There is no such link. The card has always been active, visible in my paypal account and functional outside attempting to use it with Paypal at checkout. 
3 ) " If none of these apply or if you continue having issues using your PayPal Card as a payment method, you may wish to remove it as a payment method and then re-add it to your Account. " -Going to where my cards are listed in my Paypal account the Paypal mastercard is not shown and attempting to add the Paypal Mastercard results in this error : " Sorry, this card isn't supported. Link a different payment method. '' You state my Paypal mastercard does not show as a payment method because this is due to paypals security system. What good is this card if it can not be used? You provide no recourse, solution or what may be triggering this " security system ''. I can add literally any other random credit card to my Paypal account as a payment method and it will show as a payment method during checkout - but Paypal wont allow the use of its own issued credit card as a payment method due to " security '' without explanation. This is a serious issue on Paypals side. Any other random credit card I never used on my Paypal account is fine, but PayPals own in house issued credit card Ive had for years is seen as a security issue. This does not make any sense and I think most people would agree this makes no sense. The its a " security system '' issue and the vague " nothing we can do or disclose about it '' is a non answer and does not help.

Paypal has a serious issue on their end and you need to find a solution to this so I can use my Paypal mastercard during checkout with Paypal. I need you to investigate this further and find a solution. 

For example, someone on the Paypal forums shared a similar experience XXXX XXXX XXXX XXXX )- they said they were able to get it fixed when someone at Paypal finally realized there was a restriction on the virtual card number.. Maybe this is the problem? 

Please respect this issue and how much time Ive spent trying to get it fixed. Its unfair to blame security system and not investigating deeper on what is causing this.
Product: Mortgage

my FHA mortgage loan is with XXXX XXXX mortgage .this loan was taken out in XX/XX/XXXX. I called the XXXX to have my PMI taken off my morgage and they said they would send me a form to request having it removed and that it was my responsibility to have it removed that they would not automatically remove it after reaching 80 %. i spoke to someone named XXXX ... since then i have received a letter stating the PMI premium is required for the life of the loan. Never received the form for cancellation. i am interested in paying off my loan ... but is hesitaint to do so until i can get this matter addressed ... the letter dated XX/XX/XXXX, was send to me by a XXXX XXXX ( mortgage insurance specialist. ) ... i  called the number on the letter and they said because the loan was taken out before XX/XX/XXXX it 's required to keep it for the life of the loan. i asked to speak to a compliance agent and was told no ... .i called my bank on XX/XX/XXXX and asked to set up an appointment with the bank manager XXXX ( us bank on XXXX XXXX in XXXX ohio ) number ( XXXX ) and was told she would call me back to make an appointment and she never did. NO ONE will help me, and i keep getting conflicting answers.
Product: Credit reporting

Back in 2013 i suffered from identity theft I had XXXX XXXX XXXX cards that I made payments on. My cards was stolen and maxed out. it has now been 3 years and im still suffering from this. I have been disputing these XXXX cards off my credit report and only XXXX has removed them. XXXX ans Experian has refused to try to assist me. This has been so stressful my credit sucks I do n't qualify for anything and i just need some help. This has caused me many sleepless nights. grey hairs XXXX XXXX XXXX. Every time i dispute with experian they say verified verified by who. Im not rich i make a modest living i have rights. this is against the fair credit act. Every time i have called Experian they have been nothing but rude and unwilling to assist me, I 'm even enrolled in their fraud alert but they still wont remove these items of my credit report report.
Product: Credit reporting or other personal consumer reports

Debt collection failed to provide debt validation with in 30 days. 

CRA failed to removed allleged debt. Requested debt verification with debt buyer on XX/XX/year>, they have not responded with stall letter and no proof this account belongs to me Amount requested is {$750.00}. Account shows inaccurate balance According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Caused my account to overdraft has to pay a fee to reopen it back up for processing payments late
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , inc . ) due to Inadequate Customer service And unfair practices, Which violates The consumer financial Protection act ( CFPA. ) specifically, Cash app Failed to take timely and Effective measures To prevent and Address fraud On their platform, Leaving my Account vulnerable and unprotected. Furthermore, Their dispute Process Was unfair and deceptive As they did not Comply with error Resolution Requirements Under the electric fund Transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience And financial loss and seek Appropriate Redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out regarding all my hard inquires and trying to see if there was a possible way those can be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The account was originally opened with BB & T years ago. I removed funds from the account in 2022 and left approximately {$400.00} in the account. I did not realize this was below the free checking account minimum fund requirements. 

Unbeknownst to me, as I was not monitoring the account I was not actively using, a monthly fee of {$13.00} was assessed on the account until the balance was drawn to {$0.00}. Truist then began assessing the service fee of {$13.00} on the credit card associated with my account. When the credit card was not paid, I was then assessed late fees. 

Truist contacted me to let me know they were going to send my credit card non-payment to collections. I at first thought there was fraud on the account, as the credit card has never been used. It was then that Truist looked into the transactions and explained why there was a {$150.00} balance on the credit card - all due to fees associated with Truist drawing my checking account balance down to {$0.00}. 

I visited a Truist branch multiple times and eventually closed all of my accounts. Since then, Truist has continued to add service fees to my credit card. I requested that Truist refund my {$400.00} to the checking account and remove the {$150.00} in fees on the credit card. I do not understand why Truist feels they were " servicing '' my checking account that was {$0.00}, with XXXX activity, and thus charging fees to a linked credit card. 

These junk fees seem predatory, excessive, unfair, and deceptive.
Product: Checking or savings account

Per Betterment Cash Reserve account, XX/XX/2023, {$440000.00} is taken out to another account ( XXXX ). However, per my records, the amount is still with Betterment until now, yet XXXX statement shows that {$440.00}, XXXX  " redeposit '' on XX/XX/2023. 

Also, monthly accumulated interests has not been reflected on my Betterment account nor statements since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXXXXXX XXXX XXXXXXXX account number XXXX Date opened XX/XX/year> I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there are two accounts reflecting badly on my credit. I had no idea what two accounts they were referring to until I looked over my credit report and saw one account from a company called XXXXXXXX XXXX and another one from XXXX XXXX XXXX. These accounts do not belong to me nor am I affiliated to either of those companies in any way. I never opened any account with those companies and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of those accounts that were opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards those debts. I don't know who is responsible for these accounts but I have already filed a police report.
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.. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLOSE CASES XXXX & XXXX FINALLY THE XXXX FIXED THEIR ILLEGAL REAGING AFTER I HAVE HAD TO REPORT THEM 3X!!!!!!!!!!!!!!! NOW PLEASE REMOVE YOUR XXXX XXXX REMARKS OFF OF MY ACCOUNT SO I CAN APPLY FOR MY XXXX LOAN NOW. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). 

I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. 

More specifically pertaining to comments on accounts. 

I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. 

The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

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

I submitted a dispute to Experian on XX/XX/2022 regarding XXXX XXXX Bank & in 3 days the credit bureau verified the information. The FCRA states that a dispute is supposed to take 30 days to complete & Experian hasnt investigated this account in a matter of XXXX hours. This is impossible & the only way an investigation can be that quick is if it involves updating personal information. This dispute is involving a derogatory account that is reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank savings accounts display incorrect balances And they will not help when you call them. Honestly do not know what to do. Unresponsive, will transfer your call back and forth and no one helps. Put you on hold and hang up on you.
Product: Credit card or prepaid card

I filed a dispute for a purchase not received with Capital One for {$58000.00}, Capital One has not provided me with a permanent credit. I tried to resolve the problem with the supplier who promised me a credit, which has not yet been issued. The vendor also has not responded to the dispute with Capital One.
Product: Checking or savings account

Was bank used by social security to work with funds security, Funds are not being able to be with drawn. Co merica is supposed to be care taker for dispersing my social secuiry funds. This bank is not partaking in this dispute process. Not listing with this disputing agency. 
This bank uses Comerica to issue funds
Product: Student loan

My student loans were switched over to Nelnet. I scheduled a payment using my online banking with the routing and account number for XX/XX/2023. I logged on today to see that the payment had not been credited and that I was showing as delinquent. Nelnet advises that the bank refused the payment, but the bank says they never received a request for payment and therefore never denied anything. I have verified that Nelnet has the correct numbers so I do not understand what is going on and why I can not get an answer from them.
Product: Mortgage

Hello, I contacted Mr. Cooper about fraudulent escrow charges. Mr. Cooper lied about my taxes amount due and continually overcharged me the last XXXX years. I tried calling them and I can not reach a customer service rep by phone, because it says my account is paid in full. On XX/XX/XXXX, I was able to reach a rep in the chat and they would not answer my questions nor would the request an audit on my account. What tipped me off, they sent me a check for {$76.00} but stated my account was {$72.00} short. I asked the rep, why didn't you all take the extra funds and pay the shortage? They said, too late we can't do that. I've never heard of that, that's why I paid the extra to prevent a shortage. This made me think, Mr. Cooper stopped the city from sending me my tax statements, so I would not know how much my taxes were. The statements are going to them. I checked my taxes and lo and behold. I am being overcharged for escrow. I have proof and I have proof of the conversation.
Product: Debt collection

We moved out of our apartment complex back in XX/XX/XXXX. I one day out of the blue for college needed proof of residency for college. Getting a record of my last apartment to prove I was living in Florida I had to email my apartment complex. When they responded they didn’t explain anything other than we owed them XXXX$. We sent certified mail to them and a check and they returned it to us saying they sent our information to a debt collector whom we’ve never even knew or heard about before. they weren’t going to bother us until I contacted them over almost 6 months later. We sent a certified letter as well to the agency within the 30 days of never receiving notice about such a debt. They are ignoring us and won’t respond back to our certified mail that was sent out. We believe this is unfair and the fact no notice was ever given. It’s all wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  on XX/XX/2024 XXXX XXXXXXXX XXXX XXXX on XX/XX/2024 XXXX Card on XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXXXXXX XXXX XXXXn XX/XX/2024 XXXX XXXXXXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX the creditors above to have inquiries removed however they still appear on my credit report there are many inaccuracies they are reporting different dates on different credit bureaus and they are also fraudulent.
Product: Debt collection

Sent out a validation letter on XX/XX/. Never received a response. They sent another letter out XX/XX/ for me to accept and offer.