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

we back XX/XX/2021 paypal put on hold my money amounting to XXXX US dollar but to date XX/XX/XXXX they email me that I can no longer access or use my money for withdraw even I made convertion to XXXX  money they put on hold it up to 180 days and its too long I badly needed my money. My Paypal email : XXXX You can no longer use PayPal At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX
Product: Bank account or service

I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. AMERICAN EXPRESS LOAN - FINAL PAYMENT {$2000.00} ON XX/XX/2019 AMERICAN EXPRESS CARD SERVICES - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Credit reporting or other personal consumer reports

I HAVE SENT XXXX XXXX A DISPUTE LETTER REQUESTING PROOF I WAS EVER LATE AND I HAVE SENT RETURN SIGNATURE AS PROOF OF XXXXXXXX XXXX FAILURE TO RESPONSE AFTER RECIEVING THESE DOCUMENTS AND REQUESTING PROOF OF ME BEING LATE BUT ONCE AGAIN IT HAS BEEN PASS THE TIMEFRAME AS LAW REQUIRE ACCORDING TO THE FCRA AND THIS IS NOW A VIOLATION FOR XXXXXXXX XXXX TO CONTINUE TO REPORT THIS LATE WITHOUT SENDING ME PROOF WITHIN THE PROPER TIMEFRAME AND MUST BE REMOVED/DELETED/UPDATE AS NEVER LATE AND XXXX FORMAT SHOWING NO LATES OR REMOVE/DELETE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

File Number # XXXX I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

Thank you
Product: Credit card

[ See attachment for formatted text in pdf format. ] I pay my credit card balances to Chase on time, but recently I erred and sent my payment due on XX/XX/XXXX to the wrong company. Realizing the error, I sent my payment to Chase but it was four days late ( XX/XX/XXXX ). This triggered the imposition of a late fee and interest charges not only on the balance due on XX/XX/XXXX, but on ALL the purchases made during the subsequent billing cycle, the payment for which would not be due until XX/XX/XXXX. To make this more concrete, here is a table of the dates and amounts : BILLING PERIOD XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX Period Purchases {$7200.00} {$12000.00} Billing Amount {$7200.00} {$19000.00} Payment Due date XX/XX/XXXX XX/XX/XXXX Actual Payment date XX/XX/XXXX XX/XX/XXXX Amount Paid {$7200.00} {$12000.00} Late Fees {$0.00} {$40.00} XXXX XXXX {$0.00} {$240.00} According to the XX/XX/XXXX statement, the interest charge of {$240.00} is based on a balance of {$13000.00} at a rate of 21.24 %. In the period from XXXX to XX/XX/XXXX, I made a few purchases, but far less than $ XXXX, so when Chase received my payment of {$7200.00}, they subtracted that from the current balance of {$7200.00} + a few purchases to yield a positive balance. Because the balance is positive, they start charging retroactive interest on ALL the purchases in the XX/XX/XXXX to XX/XX/XXXX billing cycle. So they are charging interest on purchases made during a billing cycle that has nothing to do with the purchases for which my payment was late. Had I made my payment XXXX days earlier ( XXXX ), those same purchases between XX/XX/XXXX to XX/XX/XXXX would not have incurred any interest charges. 

This is a deceitful and outrageous practice. The interest charges should apply only to those amounts for which payment is actually late. Chase is charging interest on amounts that are not even due for payment until the following month. Now I imagine that the law allows them to do this, and I have written to my representatives, but I think the CFPB should play a role in curtailing these interest charges. 

In my specific instance, Chase was willing to refund the interest and fees because I made an innocent mistake. Good on them. But the deceitful practice still exists and other consumers will be unfairly charged. 

Finally, in the interest of warning consumers, this insidious process used by the credit card companies to calculate and charge interest needs to be added to the CFPB informational website at https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my credit report that I have a debt balance of XXXX for a medical bill originally from XXXX XXXX. This debt does not state my name, address and what this debt is specifically for, in which this debt is unverifiable and I would like proof that this debt is actually mine or could be.
Product: Credit card or prepaid card

I called to inquire how to be able to add money to my account. The person on the phone was confusing and hard to understand so they said they would send me a packet of information. I had to verify my identity through an automated system. When I received the packet of information, it stated that my account had been placed on hold and the upgrade was pending. I had to send in information to verify my identity. I tried to call the company to find out what happened. They stated that some information didn't match through the system when I was verifying my identity. Turns out, it was my email address because I have two different ones and wasn't sure which one I use. They said the only way to unlock my account is to fax in my driver 's license and social security card. I sent the information on XX/XX/18. I called a few days later and was told they were unable to read my driver 's licence because the copy was too dark. They told me I needed to email my driver 's licence and social security card. I am only XXXX  and didn't really think anything of it. When I asked my mom to help me send the information she said we are not sending my social security card to them via email, it is not secure and now even with us faxing it I am worried about my identity and information being stolen. My mom called them and finally someone said they would accept a paystub and my driver 's licence instead. I emailed that on Friday XX/XX/18 and the lady said it would take about an hour. We called back the following Monday because I still don't have access to my money. I keep being told something different, someone told me 5-10 business days, someone said an hour, someone said 3-5 business days, and another person said 2-3 business days. Called back today, Wednesday XX/XX/18 and was told it should have been unlocked but unfortunately it hasn't been for some reason, but the " back office '' that handles that is closed now so I will have to call back tomorrow morning. I am in school and this has been very frustrating because I can not call while I am in school. They will not talk to my mother, even though I am a minor, unless I am on the phone every time and give permission for them to talk to her. I feel taken advantage of because I am young and this is my first time dealing with a financial institution and very frustrated that even though I am a minor they won't allow my own parent to help me resolve this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 


Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.
Product: Mortgage

This is my second complaint to the CFPB. Yesterday I was told and assured by Essex Mortgage company my issue ( s ) were resolved, today I come to find out they were not even close to being resolved so that we could close on our refinance loan. Our XX/XX/XXXX property taxes were neglected to be paid by Essex Mortgage. Stated yesterday XX/XX/XXXX that the property taxes were paid in full including all taxes and fees in the amount of {$4900.00} to the XXXX XXXX XXXX XXXX on Friday XX/XX/XXXX. XXXX XXXX with Essex could not provide an actual receipt but provided us and our lender an email receipt so that we could close our refinance loan. This morning I received a phone call from our lender stating the county has NOT received our property tax payment and in fact the second half payment Essex attempted to pay back on XX/XX/XXXX through XXXX was not able to be applied to our account because the first half of XXXX property taxes were not paid in XXXX of XXXX. XXXX XXXX sent correspondence to Essex through XXXX and they completely disregarded it. This is maddening to me to learn that the county tried to help me and my own mortgage lend once again had complete disregard for their customer. This shows the entire situation could have been resolved BEFORE we ever began the refinance process back on XX/XX/XXXX. So here we are a day closer to the end of the month of XXXX, another day wasted in our ability to close our refinance all because Essex Mortgage has been deceptive once again and not done what theyve said they had done in paying our property taxes to current IMMEDIATELY in the amount of {$4900.00}. It seems like the only way I am able to get any return of communication with Essex is to submit a claim thru the CFPB which is pathetic a complaint has to go through the government before a company will even respond or act on an error they have created.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were 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 relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a navy federal customer a lawsuit was filed by the cfpb with customers and overdraft fees
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX - XX/XX/XXXX - XXXX hard pull, where did you get this misleading information? This is unfair! DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My daughter, XXXX XXXX and I have a joint checking account at XXXX XXXX XXXX XXXX. I had multiple issues with the account in forms of identity theft, unapproved transactions attempting to take money out of account therefore was over drafted by {$950.00}. I worked with XXXX to resolve this matter wherein I had set up {$50.00} a month payment arrangement. In the meantime, they still sent the account to collections with Transworld Systems Inc. 

On XX/XX/XXXX, I worked out a settlement regarding this account with XXXX, balance was satisfied and they agreed to put the account back into a positive status. 

On XX/XX/XXXX I received a letter from Transworld trying to collect on the balance that was paid in full. They didn't even deduct the payments I made through XXXX. I called Transworld and informed them that I worked out a settlement with XXXX and this balance has been satisfied since XX/XX/XXXX. I got no response. 

Transworld Systems Inc. is fraudulently trying to collect on a balance that is not due.
Product: Vehicle loan or lease

Vehicle was total damaged in an automobile accident on XXXX/XXXX/20 {$1000.00} deductible was paid in full after receiving notification 60 days later. 
Ally reported as a write off to XXXX XXXX XXXX credit agencies when it should be notated as paid off in full. To this date Ally refuses to change status with these agencies causing a blemished credit report.
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that Portfolio Recovery do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

Yet they have failed to take action or provide written documentation such as a signed contract bearing my real signature that I have ever had any contractual agreement with them. I have ever done business with this company or any company they represent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Self lender. My Identification was placed on the dark web in my bank and credit card accounts were hacked! I was even declared deceased to XXXX XXXX where they closed my accounts out in XX/XX/2021. I have been working to resolve these issues, however with SELF I have giving evidence explaining the fraud on this particular account and I have been ignored. In fact the company is still making reports on my credit for a account I did not open. I have sent five emails and no one has responded with the appropriate action. It has been over 45 days and I would need this fraud account taking off my credit report because I was not the person that authorized the pass transactions or opening of new accounts to this merchant. Please help.
Product: Debt collection

When looking over my credit report, I found an account showing as reported by Commonwealth Financial Systems. It concerns a medical bill for {$1600.00} and shows as reported to my credit around XX/XX/2018. As I should have no outstanding medical debts I am fully insured I reached out to Commonwealth and informed them this was in error and asked for rectification and deletion of the account. I have yet to receive any response from Commonwealth and the account remains on my credit. I have not seen a bill or received any other justification for the debt, nor why my insurance would not have covered it, or if they were even properly billed. My disputes through the bureaus have resulted in no changes or responses, either.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness.

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$XXXX} # 2. XXXX  XXXX XXXX  XXXX XXXX {$XXXX} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX Preferred Cust Acct
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : 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 XXXXXX/XX/XXXX
Product: Mortgage

I 've had my mortgage since XX/XX/XXXX and I 've never been late. I have automatic debit on my bank account from Ditech. On XX/XX/XXXX the funds were n't available for some reason and I called them several times to charge my debit which they said they were going to do but apparently they never did. Since they do n't bank a physical bank in XXXX I could n't do much and sent the payment because they never charge my bank account and I was going to be late. Anyways they said I was n't going to have a 30 days late they even returned my late fees and everything but on my credit report appears to be 30 days late which is affecting my credit which i take care of. I just want my credit to be clean and is unfair what they did.
Product: Debt collection

I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. 

Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!
Product: Debt collection

They called me on the weekend multiple times just now at XXXX XXXX. I asked them to email me a schedule a call time and they hung up on me.