23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have reached out to the company, my lawyer has reached out to the company and my first mortgage lender ( XXXX ) has reached out to the company but FCI Lender Services Inc. XXXX # XXXX has not responded. Their website does n't work and i have contact customer service several times. I am trying to get into a harp program on my first mortgage and they have failed to subordinate the second and are basically blocking me from refinancing my first mortgage. The house is XXXX XXXX and the loans are about $ 100k more than the value of the home. I am willing to continue paying and would like to do the right thing but if this is n't resolved before XX/XX/XXXX, I will have no choice but default on my first mortgage.
Product: Credit card

On XXXX I purchased a bed sheet set from Amazon and it was not delivered. I am being charged for the drivers refusal to deliver to my home address. I also pay a yearly amount to Amazon XXXX and want monies I paid for that program and want payment returned along with the charges for the sheet set.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing this letter of dispute about a fraud remark on my credit report with Equifax. This matter derogatory remark is saying an account opened XX/XX/XXXX for {$210.00}. And the 1st delinquency XXXX with XXXXXXXX XXXXXXXX XXXX XXXX I have made several attempts to resolve this matter with XXXX XXXX XXXX and Equifax when it appeared on my credit report. XXXX XXXX XXXX is having trouble with producing and sending me a list of all the billing history and the itemized transaction for this account. I need to thoroughly investigate this matter since Equifax has refused. 

The only documents I received with another person 's name crossed out and someone filled in my name on a contract that was not authorized by an officer of the company XXXX. The contract is showing a zero-balance dated XX/XX/XXXX. With a different ink pattern where someone decided to print my name or copy and paste it on this contract. 
XXXX XXXX XXXX have also sent me someone else credit card info. I have double-checked all my credit cards it does not match with my credit cards. 

I have also requested Equifax to send me the personal information they supplied to XXXX XXXX XXXX about this matter. And how was this account verified as correct? I have certified mail this information To Equifax regard unfair practice and deceptive information.
Product: Credit reporting or other personal consumer reports

SOURCE RECEIVABLES MANAG Is Reporting A Collection On My Credit Report And I Never Did Business With This Company. So That Collections Is Fraud
Product: Payday loan

I received a call from a NP Group claiming I have a unpaid loan from XX/XX/2011. All information they had from me was a mix up of data pulled from my past at incorrect moments in time. This is fraudulent. I will be filing a complaint and a police report. I can not locate the vendor online and the requested validation of debt information was never sent to me. This is consumer fraud.
Product: Money transfer, virtual currency, or money service

am filing this complaint against PayPal due to the unjustified permanent limitation of my account and the wrongful withholding of my funds. I have never violated PayPals Acceptable Use Policy ( AUP ), yet I received an email stating, You can no longer do business with PayPal, without any prior warning or valid explanation. 

I primarily use PayPal for my XXXX XXXX, XXXX, which has been operating since XXXX. My PayPal account was opened in XX/XX/XXXX, but I only began using it in XX/XX/XXXX. Recently, I partnered with another brand to offer faster turnaround times for customers who check out via PayPal. As part of this, I highlighted PayPals Seller Protection Policy as a benefit to customers and businesses. However, given my experience, I now question its reliability. 

My account is authenticated and connected to my business website ( XXXX ), where I occasionally receive income through XXXX and XXXX. Every transaction on my account has been completely legitimate, and I have never had a dispute with a customer. 

Despite this, I was asked by PayPals system to submit tracking numbers and verify my identity with an IDwhich I promptly did. Immediately after complying, my account was permanently banned, and my funds were frozen. While my customers successfully received their orders, I am now unable to access the money I rightfully earned. 

I have thoroughly reviewed PayPals policies and found no violations on my part. After further research, I discovered that many other users have recently experienced similar unjustified bans, with no clear explanation. This pattern raises concerns about PayPals reliability and trustworthiness as a financial service provider. 

I am formally requesting the immediate restoration of my account and the release of my withheld funds. If PayPal does not resolve this issue within a reasonable timeframe, I will escalate my complaint to regulatory agencies and explore legal action. 

I appreciate your time in reviewing this matter and look forward to a swift resolution. 

Sincerely, XXXX
Product: Credit reporting

Received information on CFPB website to contact Transunion via general number. Each time I call number, a very nice but uninformed person in XXXX answers and transfers me to several colleagues in same office before they transfer me to someone " State-side ''. The person in the US then transfers me to a voicemail or a recorded message that disconnects before I can even leave a message. I have been on this rotation for about 6-7 months. I have yet to receive a call from anyone despite leaving messages when I was able to do so. Furthermore, I have sent emails to : XXXXXXXXXXXX on many occasions over the past 3 months and never received a reply. There has been no correspondence other than an email when I dispute online using a form that requires me to enter credit bureau account information that I do not have access to. Additionally, I have inquiries on my credit report that were not authorized. There are remarks on accounts that are not in dispute.
Product: Money transfer, virtual currency, or money service

I opened an account with Transferwise ( www.transferwise.com ) In XX/XX/XXXX and made one funds transfer from the U.S. to XXXX that worked correctly. I did nothing further until XX/XX/XXXX when I received an email from Transferwise stating " You can only have one account with TransferWise. So we deactivated the other account you had with this email address. '' Alarmed that someone had accessed my account that is linked to my bank account, I tried emailing the company per their instructions, demanding to know why they would allow a second account to be opened using my email address. But they never responded, and my account remains " deactivated. '' Consequently, I have no idea whether someone has access to funds in my linked bank account.

After reading hundreds of similar complaints on consumeraffairs.com, I do not want to have anything further to do with Transferwise anyway. But I do need to know that my account has been properly closed, that no one is using my email address to access a duplicate fraudulent account, and that there is no linkage to my bank account.
Product: Mortgage

After the COVID forbearance, I participated in a loan modification with Lakeview Loan Servicing ( where I was told it would be non-interest bearing ). I signed all documents. FHA recorded a lien for {$26000.00} BUT the mortgage company also added the same amount to my principal balance. Creating a situation where I owed over {$52000.00} when it should have been approximately {$26000.00}. I contact the bank XX/XX/XXXX, they said they would fix it, XX/XX/XXXX they said was being reviewed, XX/XX/XXXX they said the review was closed, XX/XX/XXXX they said they would submit a reconveyance request to FHA, XX/XX/XXXX they said that they never sent it to FHA and that it was being reviewed. This is a circle of nonsense at a time when I'm trying to sell my house. FURTHER, I tried to make a payment in XXXX and they said they would only accept both ( 2 ) of my delinquent payments. I asked again on XX/XX/XXXX and they said they would only take 2 payments, no less- and next month it would be 3. My mortgage documents state that they can apply any partial payments any way they wish but they still have to take them. I am accruing late payments and interest because they won't take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX, has violated my rights. 

1

5 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as Experian, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX DL : XXXX SSN : XXXX Phone : XXXX Email : XXXX To whom this may concern, I recently obtained a copy of my consumer report, and notice that my home loan has 15 late 30 days marks on my credit profile. This information is greatly affecting my credit, and from my knowledge I have never been late making payments on my home.This information is reporting incorrectly and under FCRA ( 15 U.SC. 1681i ) I request that this information be investigated and immediately turn those months from red to green as these accounts are not reflecting maximum possible accuracy! Im attaching two different loan accounts listed on my credit file that show different things. 15USC 1681B is saying this mis-information unfairly impacts my ability to obtain credit for legitimate purposes. Again I am formally disputing these inaccurate lates all of them to be corrected as never late FCRA 602 ( 15 usc 1681! Please update this information and communicate back with me via Email. I have owned my home many years and I need to take out a home equity line of credit to fix my roof as well as do other home repairs. I really do appreciate whoever is viewing this complaint. XXXX bless Account info : Name : XXXX XXXX XXXX Open Date : XXXX Amount : XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY AND THAT I AM THE ONE HANDLING MY INFORMATION. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Product: Credit reporting or other personal consumer reports

I sent validation Letters to XXXX, Equifax, XXXX XXXX XXXX XXXX concerning the below account but never received any information concerning the debt. XXXX deleted the account from my consumer report as shown in my uploaded documents. Please remove this account immediately. 

XXXX XXXX Account # XXXX Amount # {$7900.00}
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have tried with the creditors and the re route me again to the credit agencies and when I finally reached them the have make calls backs and never do Help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and equifax there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Product: Debt collection

I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score provided by  XXXX   XXXX   XXXX  does not reflect my good payment history. My score during  XX/XX/XXXX -  XX/XX/XXXX  w as  XXXX  and was lowered to  XXXX  during   XX/XX/XXXX  -  XX/XX/XXXX . The most recent score for  XX/XX/XXXX w as downgraded to  XXXX  despite the fact that I 've never had  one single late  payment on my credit card since   XX/XX/XXXX .    XXXX  I 've called   XXXX   XXXX    XXXX  and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CHILD SUPPORT XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX I received my credit card bill from Citibank and listed among the charges was this : XX/XX/XXXX XXXX XXXX XXXX FL {$470.00}. 

I did not recognize this charge and I called the above phone number and discovered it was XXXX XXXX XXXX. I had not bought tickets to XXXX and I complained to Citicards in writing. I stated I was XXXX XXXX XXXX, do not have children or grandchildren and would never buy tickets to XXXX. They said they would investigate. 

I just realized today ( XX/XX/XXXX ) that in my XX/XX/XXXX credit card statement, they reinstated the {$470.00} charge. Unfortunately I did not realize this. In the Account Message on the back, they said the credit was reversed " since it was determined to be a valid charge ''. 

I strongly dispute this! Why did they think it was valid? Because someone signed my name on a credit card receipt? I did not purchase this, so no way is it valid! 

Please let them know I am not accepting this. It is unfortunate I did not pick up on this till today, but that does not change the fact that someone robbed me of {$470.00} and Citi is complicit in this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Original XXXX : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021