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

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute include late payments since XX/XX/2019, SANTANDER CONSUMER USA. I am kindly requesting SANTANDER CONSUMER USA to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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  Listed on TransUnion, XXXX, and 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency maya make any consumer report containing any if the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Complaint ag

ainst PayPal for Unfair Account Limitation and Withholding of Funds. I am filing this complaint against PayPal for unfairly and permanently limiting my account and withholding my funds of {$XXXX} for XXXX  days, despite my full compliance with their documentation requests. 

On XX/XX/year>, PayPal placed a temporary limitation on my account and requested documentation to explain the source of my funds, stating it was to " improve my PayPal experience. '' I provided extensive documentation regarding multiple transactions, including those from years back. Despite the effort required, I fully complied. 

However, immediately after submitting the information on XX/XX/year>, PayPals automated system returned a permanent limitation verdict within less than a minute, raising serious concerns about whether my submission was properly reviewed. I was informed that my funds would be held for XXXX  days, and that I could only withdraw the money after this period. 

I believe PayPal 's actions are not only unfair but also illegal for the following reasons : XXXX. No Violation of PayPals Acceptable Use Policy ( AUP ) : I have not violated the XXXX, and PayPal has not provided clear reasons for this permanent limitation.

2. Improper Review Process : The documentation I submitted was extensive, but PayPals system reviewed it in less than a minute, suggesting my submission was not properly evaluated. 

XXXX. Withholding of Funds : The 180-day hold is excessive, and I am concerned I may not be allowed to withdraw my money even after this period, as seen in other user complaints. This is unlawful withholding of funds.

Resolution Sought : I request either reinstatement of my account or immediate access to my funds total to {$XXXX}. I also ask PayPal to provide a clear explanation for their actions. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I opened a credit card account with XXXX XXXX and they sold it to another company by the name of Portfolio Recover Associates, LLC. Portfolio Recover Associates never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/, 2019 I tried to resolve it with XXXX XXXX and Portfolio Recover Associates and was told, by XXXX XXXX of Portfolio Associates, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Mortgage

Hello- I requested my mortgage company to remove PMI and give me the opportunity to close my Escrow account by proving the value on my home has increased past the 75 % XXXX threshold. Back in XXXX. I submitted a timely application and payment in the form of a {$320.00} check, pursuant to PHH 's instructions on ordering an appraisal. 

I followed back up this month ( email conversation attached ) and all they responded with is " be patient ''. 

I'm now approaching XXXX and they have not taken any action other than depositing my money. They are dragging their feet deliberately because they don't stand to gain anything from my PMI cancellation and closing of escrow.
Product: Mortgage

Per court order in the divorce degree I am no longer responsible for the mortgage loan. But it still shows up under my name on my credit report
Product: Prepaid card

ON XX/XX/year> XXXX deposits were made from XXXX to the company. The Amounts were XXXX and XXXX for a total of XXXX, Money Network however never deposited the money into my account. After nearly a month of phone calls to XXXX and Money Network, they just wont give me the money from XXXX. I believe their goal is to tire me out until they can keep the money and I'm very close to it, but I'm going to be taxed as if I received this money, and this money could do a lot for my current financial woes. They send it to this team or that team then I call back and they have no idea what I'm talking about each time. XXXX says they sent the money and Money Network has the money, and just wont give it to me.
Product: Credit reporting or other personal consumer reports

Pro Collect is now practicing fraud. they've been made aware and still continued their process. XXXX- XXXX Spoke with Collections XXXX XXXX XXXX He was made aware that the charge is invalid. I sent him copies of the emails indicating that this charge is invalid and not a true charge due to not processing the application. These emails came from the community directly. I also requested to speak with the Pro Colect attorney 's and nothing. I also requested the debt be validated with the company ( XXXX XXXX ) and nothing. I have the phone recordings. See the attached email string. This is false reporting on my credit report and illegal. I want this removed. XXXX- XXXX Made rep aware that this is a fraud charge. I requested validation from the company and I also requested to speak wiht the attorney 's. I have email string and recordings for this as well. They are practicing fraud. XXXX definition of fraud is - Wrongful deception with the intent to gain personally or financially Intentional deception in order to persuade another person to part with something of value A person who pretends to be something or someone he is not
Product: Money transfer, virtual currency, or money service

I received paid invoices through PayPal and they closed my account permanently and refuse to give me my money.
Product: Money transfer, virtual currency, or money service

PayPal froze my minor child 's PayPal account over a year ago and now has taken his funds. They refuse to discuss it with me even though my son authorized them to speak with me about them taking his money. His name is XXXX XXXX and date of birth is XX/XX/. The amount taken is XXXX The email on the account is : XXXX I am a big fan of XXXX XXXX and XXXX XXXX. I hope that the CFPB will look into this and get a resolution for my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

I have a debt showing up on my report from XXXX XXXX XXXX XXXX XXXX dated on XX/XX/XXXX for the amount of XXXX. This is money not owed by me. I was the beneficiary on the account but never on the account for writing or cashing checks. Ive sent a letter in the past to TeleCheck about this from the Credit Union stating I was never on the account, but they investigated it and said it was correct. I need this off my report. Its been 7 years since this was reported also. This money is owed by XXXX ( XXXX ) XXXX. 
There is also an amount showing for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX  and again I was never on the account only XXXX ( XXXX ) XXXX. I also sent this matter in and was told it was correct. 
Ive talked with both financial institutions and this information and they both stated I was never on the accounts. 
I would like both of these matters to be investigated once again to remove these negative reports on myself.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Date Opened and Last Active Date Across XXXX and TransUnion I am writing to file a formal complaint regarding multiple inaccuracies on my credit report that are affecting my credit profile. The account in question has discrepancies regarding both the Date Opened and Last Date Active across the credit bureaus XXXX and TransUnion. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that these issues be deleted immediately. Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Inaccuracies in Reporting : Date Opened Discrepancies : XXXX : The date opened is listed as XX/XX/XXXX. TransUnion : The date opened is listed as XX/XX/XXXX. These XXXX reported dates can not both be accurate. The information reported must be correct and consistent across all credit bureaus. I am requesting that the inaccurate date opened entries be deleted from my credit reports. Last Active Date Discrepancies : XXXX : The last date active is listed as XX/XX/XXXX. TransUnion : The last date active is listed as XX/XX/XXXX. The inconsistency between the last active dates on XXXX and TransUnion is also inaccurate and requires that the incorrect entries be deleted from my credit reports. Legal Reference : Under 15 U.S. Code 1681i ( FCRA ), when a consumer disputes inaccuracies on their credit report, the credit reporting agency is required to conduct a reasonable investigation and delete any inaccurate information. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The credit reporting agency must promptly investigate the dispute ( typically within 30 days ). Any inaccurate or incomplete information must be deleted.
Product: Mortgage

Incorrectly informed as to the policy and procedure in resuming payments on the mortgage as negative credit reporting and stating that forbearance must end automatically by expiration of the applicable time period before any payments should be made or could be made to avoid delinquent status. I attempted to make payment prior to the end date of the forebearance as to mitigate any negative reporting and mitigate any potential damage only to met with a purported mandate that mortgage could not be serviced until after negative reporting would have been furnished by operation of terms. Full payment of all amounts past due would have been furnished to mitigate such damage.
Product: Credit reporting or other personal consumer reports

I am writing to report an incorrect address listed on my credit report. The address in question does not belong to me and is inaccurately linked to my credit profile. This error could potentially impact my creditworthiness and cause inconvenience when applying for credit or other financial services. I kindly request the CFPB 's assistance in investigating and resolving this issue promptly. I have attached supporting documents, such as proof of my current address, to help facilitate the correction process. Please let me know if any additional information is required. Thank you for your attention to this matter. Addresses are listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

Hello, This note is regarding my attempts to collect payment from either Bank of the Ozarks, or XXXX XXXX XXXXXXXX XXXX   in the amount of XXXX . I am attempting to collect a refund because payments were made to closed accounts for a period of 6 months. The accounts in question had services and ownership transferred on XX/XX/ and 6 payments in the amount of XXXX $ were paid after that time. To summarize : 1. Bank of the Ozarks was the lienholder of my car note and provided loan servicing prior to XX/XX/. Automatic Bill Pay from my XXXX XXXX Checking account was set up with Bank of the Ozarks prior to the transfer of the loan servicing on this date. 

2. According to a Bank of the Ozarks internal memo ( attached ), servicing on the loan was transferred to XXXX XXXX XXXX, XXXX. on XX/XX/. XXXX XXXX XXXX, acquired by Bank of the Ozarks through merger, maintained the lien according to the attached memo. I was never made aware of this transfer of loan servicing prior to collections call from XXXX XXXX XXXX in mid-XXXX. I proceeded to make the monthly payment to Bank of the Ozarks. 

3. After the collection call from XXXX XXXX XXXX, I grew frustrated with the fact that my loan servicing had been transferred multiple times in the past two years. I requested refinancing of the vehicle through XXXX XXXX XXXX XXXX on XX/XX/. XXXX XXXX check to purchase the lien was cashed on XX/XX/. The lien was transferred in XXXX to my understanding. 

4. Through an oversight of my own, automatic payments were still made to Bank of the Ozarks from XXXX to XXXX. I cancelled the automatic bill pay in XXXX upon learning of this discrepancy. 

5. In XXXX, I began attempts to collect the funds that were paid into the closed account. I was told on the phone by Bank of the Ozarks customer service that the funds were forwarded to XXXX XXXX XXXX. Over the course of the following weeks, I was told via phone by XXXX XXXX XXXX ( XXXX ) that they did not have me in their system. On one occasion in mid-XXXX, one person at XXXX finally stated that a check would be issued to me and would arrive the next week. That check was never received despite me confirming my address on that call. 

6. Today, I once again was told via a phone call with a XXXX representative that they would request authorization to refund the amount to me. Due to the history in this case, I feel I have reason to doubt that this will occur. However, it also concerns me that Bank of the Ozarks has been unable to produce documentation of fund transfer to XXXX despite my requests to provide such evidence. 

It is my belief that Bank of the Ozarks has cashed my checks into an account that they knew was closed. It makes no sense to me why they would forward funds to a third-party agency, when Bank of the Ozarks held the lien, either directly or through an acquired bank, during this period. I seek a refund of these payments in the amount of XXXX. I seek this payment from either Bank of the Ozarks, or XXXX XXXX XXXX. 

Thank you.
Product: Credit card or prepaid card

This is about Comenity Bank for my Torrid store credit card. 

Every time I try to log in to the account website, my login doesn't work. One time I called and was told that I had to use all caps for my login user name. And that worked that day. Then I tried again another day and it didn't work. I tried to reset my account information and entered all my identifying information and was told that my account was not found. The hold time for customer support took for ever and then I got disconnected and had to start over with their phone tree. I gave up that day because I didn't have time. I tried again today. Again, a long hold time and then disconnected. I called back. The representative sent me an email with a URL to log in. That time it worked and he said to save that link in my bookmarks because there was a " glitch '' that accessing the login from the bank 's website at XXXX XXXX XXXX didn't work. This is completely unacceptable behavior that has persisted for weeks. 

I need reliable competent access to my account because I have paperless billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This medical appointment happened back in 2023. I had reached out numerous times to try to pay the bill and do my due diligence. I was trying to set up a payment plan and no one would answer my phone calls or return anything. It got to the point where it was almost harassment, and I got so annoyed because no one would answer their phones or any communication that I had sent this debt collection agency called ability, recovery service was extremely rude and would not listen to what had happened and would not note in the file that the doctor needs to reach out or the billing department needs to reach out because they have not done so. They are out of XXXX XXXX XXXX PA XXXX phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo report a negative balance on my credit report causing my score to go down. Wells Fargo then closed my account and hasn't returned and interest to me. Wells Fargo is in Clear violation on 12 CFR1026.11 which states : ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.