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

I am a XXXX XXXX XXXX in XXXX. As part of my work, I get a payment from the regulating authority, called XXXX XXXX XXXX XXXX because XXXX XXXX a XXXX XXXX XXXX. This fund that sends me payments is called the XXXX XXXX XXXX. I have been getting my payments with no issue from the XXXX XXXX for years. Last year the XXXX in XXXX of XXXX switched how XXXX would get this money from XXXX XXXX XXXXXXXX to PaypalXXXX XXXX would use paypal to distribute money, instead of a prepaid card. So these payments would now go into a Paypal account and then I can transfer this money to my account. I was getting my payments with no issue until XXXX of XXXX. I had accumulated {$1000.00} from XXXX payments, which can be shown in my transaction history on Paypal. Then in XXXX, Paypal issued a correction, and withdrew {$1000.00} from my account. Since XXXX I have been calling Paypal incessantly to ask why this happened. Paypal customer services say they do not know anything about what happened. I asked what does Correction mean, as this is stated in the transaction. I am told that they don't know what correction means. I ask Where is my money? They say they do not know. Then they say that XXXX XXXX XXXX instructed them to send it back to them, but this does not make sense as I have been getting payments since XXXX of XXXX, and these payments come from XXXX. I called XXXX XXXX XXXX and they have no clue what is going on. Then Paypal said that XXXX knows where the money is and I should ask XXXX. I received a response from XXXX  that XXXX does not have the ability to remove funds from my Paypal account, and as XXXX uses Paypal to distribute payments, the issue is with Paypal. I called back to Paypal so I can get an email to correspond with someone about this issue and I was told that they do not correspond thru writing and emails with private people about concerns. Then the fourth excuse they made was that they sent the money to the NY State Comptrollers office as unclaimed money which makes no sense. I went to them and I had no money there. I have been calling them on a daily basis, and their official stance now is that they do not know anything about this money and they do not know where it is. So they came up with 4 different excuses and now they say this. On one of my calls, I did speak to someone who told me off the record that someone on Paypal 's end took this money, and did not elaborate further. I just want my money that I worked for. Paypal is stonewalling and basically saying they have no clue what happened, but how is this possible. Money was in my paypal account, paypal took this money out as a correction and now I do not have my money. I am attaching screenshots of my transaction history and correspondence with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Product: Credit card or prepaid card

Milestone continues to report inconsistent and incorrect payments history. I have disputed the account many times and each time they respond with a different payment history. The 3 credit bureau all have different information. Each month my account gets updated with different information that is incorrect
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX , to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately.Furthermore, I request that you cease all collection activities related to this accountuntil you have provided the required validation. Any failure to comply with thisrequest within the stipulated timeframe may result in legal action, including but notlimited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I amaware of my rights under the FDCPA and FCRA and will not hesitate to pursue legalrecourse if necessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account. I have been avictim of identity theft fraud. I have no idea of any of these accounts. I have neveropened any of these accounts. Please review this and remove this as soon aspossible.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes. I lost {$1800.00} through a Zelle transfer in XXXXXXXX XXXX XXXX Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claim adequately. I was informed that recovering lost funds was impossible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim
Product: Debt collection

I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not accounts of my own and were not opened by myself. Whatever services are at question were not rendered by myself. I've attempted several times to dispute these fraudulent charges with no result, no help.
Product: Checking or savings account

hsbc had offer to open a cking acct, they ask questions that did not relate to me, like loans from banks i dont deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
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

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am disgusted with your lack of action regarding the invalid accounts on my credit report. Despite my repeated attempts to resolve this issue, you continue to ignore my requests and maintain inaccurate and unverified information on my report. I find it unacceptable that you have verified the XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2900.00}, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$3900.00} accounts while the other bureaus have already removed them from their records. It is clear that this information is inaccurate, erroneous, incomplete, and unverifiable. I demand that you take immediate action to delete these accounts from my credit report, as required by the Fair Credit Reporting Act. Failure to do so will result in legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to share my personal information with a 3rd party collection agency call XXXX XXXX since 2021 and everytime I use this site to make a complaint experian retaliate by inputting incorrect information on my credit report. I have screenshots of experian deleting inquiries of XXXX XXXX whom I never gave permission to look at my account. Experian also listed 4 of ny accounts as potentially negative in retaliation of me reporting them. They deleted my social and took information from a mortgage lender by listing my child as my spouse. They are purposely interfering with the process of a potential mortgage lender by disclosing inaccurate information and at times locking credit profile from lender. This is being done simultaneously on a day to day basis for almost two weeks
Product: Mortgage

Suntrust Mortgage claims my escrow account is too low due to an increase in both my property taxes, and home owners insurance. They are asking for more money each month. 
I investigated their claims, and they are false. I believe Suntrust Mortgage is practicing fraudulent and unfair business relations. An Internet search revealed similar claims to mine.
Product: Checking or savings account

Less than two weeks ago usaa opened a closed account after a direct deposit was mistakenly sent there and they took my money that never should've been owed but thats irrelevant atthis point. Usaa then closed this same account t and mailed a check. They did all of this without my consent or authorization. But now my much needed stimulus check was sent back and they refused to open this same account even though they had just done this very same thing less than 2 weeks ago. Now I'm going to have to wait even longer for my stimulus due to usaa 's extremely selfish unfair business practices.
Product: Credit card or prepaid card

I signed up for autopsy when I applied for the card. every month since my payment of {$30.00} has come out on the XXXX of the month and my bill closes on the XXXX this month my payment wasnt withdrawn and when my bill closed it shows that I now owe {$73.00} on XXXX first I made an extra payment last month but that should not have affected my min due or auto pay. I called today and nobody gave me a clear answer as to why autopay wasnt deducted or why my XXXX payment is now {$73.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
Product: Debt collection

This debt was originally from XXXX XXXX credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through Portfolio Recovery. Portfolio recovery has now illegally re-aged the debt to appear current even though the debt is old and from XXXX XXXX charges, that they still have yet to resolve. In addition, XXXX XXXX did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Product: Debt collection

i have sent 4 times by fax all of my fraud documentation, including proof of my account opened with the FTC fraud department. this company refuses to remove this account off my credit report. the refuse to send me the paperwork regarding this account, so i can file a police report. i can '' t purchase my home until this item is cleared.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on the account that I am sure was paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I've attached a copy of my report to the complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Mortgage

Stated in FIFTH THIRD BANK XX/XX/2022, CFPB response letter, " we stand by the response conveyed to you in our previous letter sent to the above address on XX/XX/2022. '' FIFTH THIRD BANK has forwarded ( 2 ) responses in regards of the XX/XX/2022, original complaint. A copy of the private response letter mailed to my home address dated for XX/XX/2022, has been attached to this complaint for the CFPB review. FIFTH THIRD BANK stated in their XX/XX/2022, CFPB response letter : " We appreciate your patience while we conduct our research ''. The initial XXXX XXXX complaint still stands and has not been addressed at all-has FIFTH THIRD BANK conducted their research in reference to my XX/XX/2022, Complaint?? Also, will FIFTH THIRD BANK be reversing the XX/XX/2022, adverse decision that was rendered on XX/XX/2022? FIFTH THIRD BANK has been allowed more than 20+ days in regard to researching this matter, a decision has not been made, a decision needs to be made and communicated to the CFPB.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made several of my usual deposits to Blockchain.com. I was using these deposits to convert USD to Crypto on a regular basis. I purchased XXXX, XXXX, and XXXX. I have used this service at this point for several years with No issues from Me or the Company. Now I want to stress that I have never had a chargeback or funds issue on my account. I would consider myself a model customer. I purchased {$500.00} worth of crypto. As I was sending the crypto elsewhere in 5 transactions, ( my private wallet, Exchanges, Businesses etc ) my transactions appeared to be delayed at first. The Blockchain.com mobile app showed the Transactions as " Pending ''. I got onto chat with Support after an hour or so and was told the issue would be sent to another dept. and they would contact me through email. Well Hours went by and I kept contacting support and got the same story again and again. Then hours turned into days, so I started checking XXXX on them and found out around this same time many people were having the same issues where there money was locked up or " pending '' with non explanation. I saw people on XXXX XXXX that had {$500000.00} or XXXX XXXX  ( {$180000.00} at the time ) tied up the same way. I kept contacting support and got the same BS answers each time. In XXXX of XXXX the Mobile App updated and now it shows " Manual Review '' on the transactions. So for 3 months it was complete XXXX  saying Pending. Now for 5 more months I have contacted them over XXXX times and usually saved the transcripts. I saw other people got the same story of " moving issue to another dept ''. 8 months later I have NEVER been contacted once to be told why they are holding my money. I had no idea what to do until recently I did a search of what we can do specifically when Blockchain.com steals our money... I found a blog that showed me ConsumerFinance.gov. They send me promo emails about " Staking '' my funds there and they have stolen my funds outright. I have a live link where you can View the transactions and the subsequent value real time. The crypto is worth about {$750.00} right now. I created the " actual '' transactions and built a tool so others who have been victimized by them can share the same. People have lost there Homes over this. 
Here is my portfolio : XXXX XXXX XXXX XXXX XXXXXXXX When I kept pushing support they mentioned verifying my account. I said I dont want it verified. i already verified ( XXXX  ) years before. I wanted to close my account and get my money. I was told I couldnt close it until they were done. They STOLE my funds and have been doing it to several people apparently. 

They took my whole paycheck. I am currently taking care of XXXX XXXX  parent and a brother with XXXX XXXX. I was only trying to make small investments to improve their quality of life.
Product: Credit card or prepaid card

In XX/XX/2021 I received an email saying thank you for your order I automatically replied with I never authorized the charge totaling XXXX from a XXXX company I did not recognize, I disputed it the second I was able to on my chase account and XXXX account both. I emailed the phone number that messaged me of an order placed. I responded with I did not authorize there as well. They went back and forth with me several times insisting that the charge was refunded once they received whatever it was they set my way. did not accept the package so I do not know who or what was sent. I tracked the package which showed it was in fact returned. I followed up with the merchant, chase and XXXX XXXX and the merchant both insisted it was chase that was not letting the money come back to me. Chase never offered to close that account and open me a new one. Every time Ive contacted them ive been hung up on, yelled at, or just gave no assistance in the matter whatsoever. I went into the branch after faxing the disputed documents over 4 -5 times on my own and had the bank fax them. I was given an email to send disputes to and sent 3 total emails and never once had any of them acknowledged. I dont know how else to get my money back. The worst banking exerience Ive ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

When CV19 hit, I had to shut down my business, as millions of others in America had to do. 

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}