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

TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


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

ACCOUNT IS CLOSED AND PAID IN FULL, THIS CAR WAS A LEMON ONLY HAD IT FOR A MONTH, CAR TRANSMISSION LOCKED UP AT XXXX XXXX.
Product: Money transfer, virtual currency, or money service

To whom it may concern, My name is and Im a long-time PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer do business with PayPal email today. At the advice of counsel, Im sending you a polite message with details and information so that this policy mistake can be corrected and that my account can be restored to full functionality. 

I primarily use my PayPal for groceries, household expenses, and high-yield savings advantages. My PayPal is not connected to any website where I would receive additional income. Everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XX/XX/XXXX  : {$170.00} PayPal Debit spent at XXXX ( Groceries ) XX/XX/2025 : {$24.00} PayPal Debit spent at XXXX XXXX ( Groceries ) XX/XX/2025 : {$100.00} sent to *Husband XX/XX/ : {$600.00} sent to *Husband XX/XX/XXXX  : {$500.00} sent to PayPal General Savings None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on XXXXPayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days. I worry that it will shake the publics faith in PayPal as a reliable service, especially if users take their complaints to the appropriate business oversight authorities. I plan to file complaints if my account is not restored within the expected 72-hour window. 

Please forward this on to the correct internal department that handles PayPal accounts. I look forward to hearing back from you once my case is reviewed and the limitation is reconsidered. 

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

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa XXXX that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

The transaction in question involved me sending money to my boyfriend, a U.S. citizen and veteran, to cover my portion of our upcoming flight to XXXX. In response to CashApps request, I provided detailed information, including all relevant transaction details and other important documentation. Despite my compliance, CashApp has frozen both my account and funds that were sent to me, preventing me from accessing money that is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I stated that I was a victim of identity theft. The company told me to submit my identity theft report and police report. I supplied both. Yet they are saying that XXXX is saying the inquiry was authorized. I spoke with both companies by phone who stated that since this was an inquiry that I didnt apply for, it would be deleted
Product: Credit card or prepaid card

Today, XX/XX/2021, I received a cashapp card and a XXXX card in the mail. I attempted to contact both customer support lines, however, both required an app download and to sign into an account. Which I do not want to sign in to.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and auto loans account opened at XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that Equifax are reporting late payments on accounts that was XXXX through bankruptcy Its my understanding that accounts the was XXXX should not be reporting late payments are any other negative items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 1681C after a debt has been XXXX it must be removed from credit report. 

Please delete these account immediately as this is causing harm to my credit. I have attached a copy of my discharge papers as proof. I also attached a copy of my ID and social security card as proof of my identity
Product: Credit reporting

I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Product: Mortgage

In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX, has v

iolated 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Paypal account ( XXXX ) shows there is one transaction charge : {$79.00} I dont recongize. I went ahead and disputed this charge. The dispute was denied right away by Paypal using the reason that this is a recurring charge since last year so it is not an unauthorized charge. I initially reported this charge as unauthorized because it occurred without my knowledge or consent. I contacted Paypal and mentioned that I just realized that I have been charged this amount two consective years since XX/XX/XXXX and argued that unauthorized charged means an non-consented charge even it was charged twice, it doesnt necessarily mean it is authorized. I later learned that Paypal categorized it as an " Item Not Received '' dispute, and subsequently ruled in favor of the merchant, XXXX XXXX, without providing any specific evidence or rationale for the decision, but just said Paypal has reviewed the info provided by the seller. I am deeply concerned about the fairness and transparency of this decision. The charge in question was presented to me as a recurring charge that I had no record of authorizing. In my initial dispute, I provided a clear explanation of why I believed the charge was unauthorized, and I expected a fair assessment of the evidence. Instead, the reasons for my dispute were altered without my consent, and the case was decided against me without any transparent explanation. 

I am particularly troubled by the fact that when I inquired about the nature of the services provided by XXXX XXXX for which I was charged, I was informed by PayPal that I should contact XXXX XXXX directly to find out, as PayPal does not have this information. This response was both unhelpful and unacceptable. It is reasonable to expect that PayPal, as the mediator in this dispute, would provide me with sufficient information to understand the basis for the decision. When I provided my Paypal email and charged credit card info on the merchant XXXX XXXX website, it came back with no order related with info provided ( please see attached screen shot ). 

The fairness and integrity of the dispute resolution process are paramount. I would like CFPB help to re-evaluate my case in light of the concerns I have raised and the absence of clear evidence to support the charge. I hope that PayPal will prioritize transparency and fairness in addressing this matter.
Product: Debt collection

This is follow-up to complaint XXXX and XXXX which were not handled appropriately. Complaint closed based on Wakefield response although they still have not provided documentation that that this is a valid charge. XXXX XXXX XXXX XXXX  has 22 recent complaints that Wakefield has tried to collect invalid charges or old charges have been reported to credit bureaus. Why is this scam company automatically believed instead of the consumer? The XXXX XXXXomplaints have all been unanswered and then XXXX  now can not even locate this scam business. ( See screen shots of some of the XXXX complaints similar to mine ) Why does the credit bureaus believe the vague denials of unethical behavior from the businesses and take their word over the consumer?
Product: Mortgage

XX/XX/2023 TO : CFPB Wells Fargo recently sent a letter dated XX/XX/2023 to all customers who have a XXXX XXXX XXXX account. We contacted them several times in the past week, getting various responses and no resolution. They are requiring that we use a business account instead of the current personal account to make monthly ACH payments to that loan. The loan was set up 9 years ago with WFB and with a monthly ACH payment from our personal account, per their instructions. This is a " personal '' loan with collateral of a commercial building that we personally own and receive rent from its XXXX occupants. It makes no sense to open yet another Wells Fargo account, and there are $ costs involved in doing so. According to Wells Fargo in my recent phone calls to them, this is a " corporate '' change in policy, and that they are receiving many complaints. Once again, Wells Fargo is bilking customers to improve its image with investors, I believe. Think of the numbers of new business accounts that will be added! 
My husband and I are owners of a small retail business LLC which rents space in that building. The additional bookkeeping that will be caused is not insignificant. We currently report as rental income and expense on our personal tax returns Schedule E. 
The letter states we have until XX/XX/2023 to change the ACH payment method from a personal to business account or automatic payment from our personal account will be stopped. 

Thank you for looking into this matter. Something just seems wrong. 

XXXX XXXX & XXXX XXXX, owners XXXX XXXX XXXX  XXXX, XXXX XXXX Oregon, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted off my credit report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 Thank you XXXX XXXX
Product: Debt collection

I sent out a dispute letter letting experian and XXXX know that I didnt have a account with them. This was incorrectly put on my credit and I dont owe them. Someone could of got this is my name. 

Delete This account from ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX accoount # XXXX. 

I sent a dispute letter to experian about this account to delete THIS account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX
Product: Student loan

0n XX/XX/22 I submitted a refund from Edfinancial services and I can not get a clear answer as to when that balance will appear on my account. 

Per the Federal Student Aid forgiveness program, I am eligible to have monies forgiven since I paid off my account during the XXXX freeze. The first step is getting XXXX refunded to my Edfinancial account. Then I'm supposed to fill out some paperwork through the federal student aid website. That's fine but... 

No one at Edfinancial will give me a consistent date ( or even an approximate date ) as to when the amount will show up on my account. I've spoken to multiple representatives and no one will give me a straight answer. Some say two to three weeks, others several months, 150 days. It's all over the place. Also, there is no email confirmation or receipt provided to confirm a refund request. How do I know the refund request has been submitted?

I understand they have a heavy call load. Despite this, other student loan companies are processing refunds in 1 to 2 weeks. I don't want to miss my window to apply for forgiveness. This will have a huge impact on my family and finances. 150 days or several months is way too long and completely unreasonable. Turn around should only be a couple of weeks.

Where is my refund Edfinancial?
Product: Credit reporting or other personal consumer reports

Account Name : LENDMARK Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Checking or savings account

NOTICE : Truist Bank, following its merger/acquisition of SunTrust Bank XXXX has suddenly and without notice to depositors and the general public shut down substantially all of the SunTrust Bank branches in XXXX, MD. Moreover, it has not provided signage on the buildings stating that they are closed. It has not taken action to post the closing on appropriate Internet sites, again misleading depositors and the general public. Truist Bank has undermined faith in the XXXX banking system with its unannounced actions. The bank should be fined at least {$100.00} XXXX for its irresponsible actions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

FXXXX 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 stayed in the Apartment ( XXXX XXXX XXXX ) ( not properly walkthrough fixed many things took 3 months ) ) last three years and moved out because of the Roches and vandalism every year ) We have small kids and affecting their health, unhygienic situations because apartment management fails to maintain the property. Last three years of destruction, we lost about a good amount of money ( complaint in XXXX police department ). Agreed to terminate the contract, and we arranged to pay the termination fees of {$2300.00}. When we are moved out, we ask you ; please give a payment plan we can pay off. The Apartment said no, and you will get a final invoice, and you can pay there. After I noticed that they sent to termination fee collection company IQ data international, we are still not getting any final invoice from IQ data global. When they called, I gave credit card. They said they would not take XXXX XXXX. This company was treated very disrespectfully and threatening that if you are not paying the amount, we put information in a credit report, or you will go to jail face the consequences consequence. 

We beg them please give payment plan because of the uncertain situations about the job we request we will pay off within 3 months. they said we can do but regardless we will put this on your credit and you need to get a loan or a high amount to pay off.
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXXXXXX XXXX XXXXXXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ; XXXX # 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 a account without my written instructions.
Product: Credit card or prepaid card

Barclay XXXX XXXX is a time share credit card that XXXX XXXX had me apply for so they could get there down payment from the presentation. After coming back from my vacation I found out XXXX XXXX   misrepresented the program. I called credit card to dispute the charge. They said they cant because I have nothing it writing and they can't help with the verbal statements. Even though everything XXXX XXXX said was a lie they wont continue with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been on going on several month. 

i am NOT able to obtain Credit Report from Transunion i called them several times to correct the issue but i just get run around and nothing gets resolved. 

this is very frustrating and affecting my personal life. 

please help!