23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX, I am a good customer of PayPal but all of a sudden PayPal has decided to lock me of some features which I can not send money to friends. PayPal asked me for series of documents for verification for them to unblock my account I have provided the requested sensitive documents and PayPal said 1 business day but this is taking weeks and I'm not comfortable with this. 

I want this to be resolved and my account reinstated and PayPal should tender an apology for saying XXXX business day but it's taking weeks
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX and Bank of America have both announced policies on or about XXXX XXXX that prohibit using their services and credit cards for the purchase of certain firearms. They are only advancing general credit with no strings attached, as far as I can see from their card agreements, except, now, for certain firearm-related items. All such items are currently legal under federal law and the law of my state. Why can they make a policy that dictates what I can and can't buy with their plastic?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX i have reached out to Wells Fargo Home Mortgage about the late payments on my credit report. I also disputed it with all 3 credit bureau and Wells Fargo still has not change my credit report. My credit report is showing inaccurate information.XXXX XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from Wells Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Transunion was notified on XX/XX/XXXX via phone about how it was difficult for me to submit supplemental documents online due to a pending dispute with XXXX XXXX  reflected. The Supplemental documents were documents that showed that XXXX XXXX was paid in full and closed by my request prior to it being transferred over to XXXX XXXX  in XX/XX/XXXX. 
A XXXX XXXX In Special Handling asked me to submit the documents by attaching them to a new CFPB complaint which I did # XXXX ( see attachment ) and contact Transunion back once it was complete. I contacted TransUnion back on XXXX and indicated to the rep that the special handling should review the additional documents through CFPB for further review PRIOR to the investigation ending. So how is it that Transunion completed the dispute with it showing that XXXX XXXX VERIFIED AS ACCURATE before reviewing my documents that will show proof that the account was paid in full prior to being sent to XXXX XXXX? How come Transunion didn't investigate how come XXXX XXXX ( the original creditor ) was removed from my credit report last year after dispute was made based on the inaccuracies it reported saying the account was charged off? Did Transunion even showed XXXX XXXX  my recent documents from my pending CFPB # # XXXX showing that the account was paid off prior to collection before closing out dispute on XX/XX/XXXX? 

Transunion has violated multiple factors in my dispute regarding XXXXXXXX XXXX  : 15 U.S. Code 1681 ( i ) Transunion failing to review ALL relevant documents that I sent with my dispute as evidence, Transunion not properly conducting investigations and removing inaccurate or incomplete items and Transunion failing to investigate a previous dispute within 30 days.
Product: Credit reporting or other personal consumer reports

I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX 

ALSO remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Bank account or service

I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from XXXX. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

diversified consultants has repeatedly called my cell phone number looking for someone with my same last name but not my first name. when I pressed the customer service rep as to how they got my name she said " we use an " auto dialer '' and a number pops up on my screen. I do n't do any research or have any information on the debt. We have technology that says this might be the right number '' She advised that she could n't remove my number from their system or tell me anything about the debt since my first name was different. 

Using Auto dialers is ILLEGAL and they should be stopped and fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ccs collections XXXX, these companies have used my credit report illegally pursuant to 18 USC 8, I owe no debt This company is violating my consumer right to privacy to USC 1681 B 2. Company has also mo permission to report ANYTHING using my information pursuant too 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, my coinbase account is again restricted with no reason like before, message from coinbase : your account is checking status, can take few minute back later but since 1 week nothing change, coinbase is become a not serious exchange take costumers in hostage. 
Can you help please to fixe again my issue please
Product: Credit reporting, credit repair services, or other personal consumer reports

As I gathered my annual credit report I noticed that there were a few of my hard inquiries that fell off but were reinstated and i never received a 5 day notice ( which is a FCRA violation ).
Product: Vehicle loan or lease

Misleading information retail installment contract should not require any cash exchange and requested all insurances and additional charges and protection plans be includes in the finance charge as I believe that is supposed to be the sum of all charges according to TILA guidelines and requested down payment i XXXX cash exchange with an extension of credit already approved and retail contract requiring down payment advised of 15 USC 1662b amended act of 1995 wich states that cash exchange under retail purchase agreement is not required unless thats normally policy for everyone I highly doubt the cash down payment is unusualy high and requested to correct contract to comply with Truth in lending act guidelines and be transparent and honest according to underwriter thats just the way they do things and they sell lots of cars so I replied so then you guys are committing fraud on a unpresideted scale and informed them of specific regulations that are in my understanding not being adhered to and boy did they get upset when I requested XXXX XXXXXXXX and asked for full disclosure
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$390.00} I recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX i was notified by comenity bank that i had two credit cards in my name that i know nothing about opened in XXXX I requested the bank to remove these claims from my credit file. I never applied for any credit cards with this consumer. I do not have any credit. Comenity bank refuses to remove this negative information and fraudulent activity off my credit file. I can not even open a self serve credit line to start building credit. The response they sent me states there was no basis for the claim.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  2017 XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, or personal loan

I received a loan in XXXX of 2021 from the lender. While I know a debt is owed, I think I may have been subjected to predatory lending. My interest rate is 148.50 %. I started to research the company online and there are several lawsuits pending against the lender for extremely high interest rates. At the time I received this loan, I thought this was legit and did not question it. I reset my browsing history on my phone and when I looked this company up to log into my account that is when I came across red flags that this may be a predatory lender. I stopped making payments because I am not sure if this is legal or not. I also sent notification to the company revoking ACH authorization for payments. It has now been referred out to a collection agency called XXXX XXXX, XXXX. I think the interest rate is above the legal cap allowed in North Carolina. This prompted more research and I came across this site : https : XXXX  which mentions this lender by name for their extremely high interest rates and how certain states do not allow this lender to operate. 


Personify Financial was the company I got the loan from. It appears they originated the Loan from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

I am urgently contacting you regarding the incorrect late payment entries on my credit report. Despite my numerous efforts to resolve this issue, I have faced persistent obstacles and delays from your organization. Your negligence in addressing this matter has had significant consequences for my financial status and overall welfare. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$630.00}
Product: Debt collection

I received an email on XX/XX/XXXX stating this would be the last action taken before they start garnishing my wages if I do not settle with them on 24 hours. It was from an email but the bottom has an attorney who's name isn't the same and then Nation debt relief and associates. I noticed that none of these match up when I tried to XXXX them. I also noticed this was not the first email I had from them. They had tried to contact me in XXXX and when I asked for them to provide validation, they did not and were very rude about how I must be very irresponsible to not know who I owe money to. There is also no phone number or address. Just correspondence via email
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my annual free credit report from Experian for 2 years. Every time I always got error message : A condition exists that prevents Experian from being able to accept your request at this time. 
Then I ca n't no longer request the annual free credit report from Experian any more for the next year. 

All the other 2 credit bureaus never have this issue.
Product: Debt collection

XXXX XXXX  said I owed for donations I made through XXXX XXXX -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in XXXX XXXX. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from Firstsource Advantage with the debt in their latest letter of XX/XX/2023 that demands {$530.00}. Eight months ago I sent a registered lettering to Firstsource Advantage giving the details of why I do not owe them or anyone else this amount -- Firstsource Advantage never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not tolerate attacks upon my person in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) . I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$570.00}
Product: Money transfer, virtual currency, or money service

XXXX on XX/XX/2022 i sent a written wire transfer request of {$50000.00} to Navy Federal Credit Union ( " NFCU '' ). 

XXXX on XX/XX/2022 the money to be wired was withdrawn from my account. 

XXXX as of this writting, XX/XX/2022, the money has NOT been received by the receiving institution- XXXX XXXX XXXX XXXX XXXX  XXXX. NFCU has yet to provide any confirmation by the receiving bank. 

XXXX despite DOZENS of calls, emails, messages to NFCU has not returned my money XXXX. XXXX despite DOZENS of calls, emails, messages to NFCU XXXX all that NFCU states is that they are " researching it '', " escalating to supervisor '', etc...
Product: Checking or savings account

Always getting charged Bank fees a week later after payments were paid by from checking account.with sufficient funds available.
Product: Prepaid card

On XX/XX/2023 I purchased two American Express cards to put money on for my teenagers allowance. They tried to make a purchase at XXXX but it was declined. They tried to pay a bill at XXXX XXXX and it was declined again. I contacted American Express, confirmed the cards were activated and after describing the error the representative suggested I not use the card with this merchant ( XXXX ) and try another store. I got off the line and tried at three different stores- XXXX XXXX XXXX, and XXXX to no avail. I called back to reiterate thats the card agreement says it can be used anywhere online that allows the usage of American Express cards. I would just like to have my money back at this point because when you call they keep suggesting other merchants and at this point I am done.