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

On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, XXXX and, Equifax ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )
Product: Debt collection

I have a collections account on my report from XXXX XXXX XXXX XXXXXXXX for {$100.00}. They are not licensed in the state of California to pursue debt. 
I sent a debt validation letter on XX/XX/24. It has not been 30 days and have not received a reply as of yet. Thats not the problem though. I just discovered they are not licensed where I live, so any current dispute is unnecessary.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my concern about the recent limitation placed on my PayPal account, registered under the email address XXXX. I have been informed that this limitation is permanent, which is causing me significant inconvenience. I strongly believe that this action may have been a mistake, and I respectfully request your assistance in revisiting this decision. 

I am confident that I have adhered to all the policies and guidelines that govern the use of PayPal services. As a diligent user of your platform, I have consistently maintained a high level of adherence to PayPal 's user conduct and transaction guidelines. I always strive to ensure that my transactions are transparent and within the legal and ethical boundaries set forth by PayPal. Therefore, I am baffled and distressed by the abrupt limitation placed on my account. 

I kindly request a comprehensive re-investigation into my account activities. As I am certain that I have not violated any PayPal policy, I believe that this inquiry will clarify that the limitation on my account might be an oversight. I understand that PayPal has a strong commitment to keeping its platform safe and reliable for its users, and I am confident that a detailed review of my account will reaffirm my compliance with PayPal 's rules and regulations. 

Should there be any specific transactions or activities that have led to this restriction, I would appreciate it if you could provide me with the necessary details. I am ready to provide any further information or clarification that may be required during the re-investigation. 

The functionality of my PayPal account is critical for my personal and professional transactions. A permanent limitation poses a significant hurdle for me, which I hope can be rectified swiftly. 

Thank you in advance for your assistance and understanding. I am looking forward to a positive resolution and the restoration of my account 's full functionality. 

Yours sincerely, [ XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX my debit card from 5/3rd bank was compromised resulting in over {$2000.00} in fraudulent charges. 
2 from att totaling {$1500.00} XXXX from XXXX XXXX totaling {$600.00} I initiated the dispute process on XXXX, per 5/3rd protocol that suspect charges post to the account. 
5/3rd bank will issue a credit for suspect charges, usually within the week. 

XXXX XXXX XXXX has also been notified and are involved.
Product: Mortgage

We had Greentree for our second mortgage and they would call constantly about payments even after explaining our situatio due to an adjustable rate first mortgage. This continued to the point it was in default and we late included them in out Chapter XXXX plan in XXXX. I have read there was a settlement with green tre on XXXX XXXX XXXX and hopefully we can qualify for something from this settlement.
Product: Debt collection

I wrote and asked LVNV Funding for a Debt Validation and Full Record of Accounting Per 9-210 UCC. This debt that is and assumption or presumption as if there was some kind of contract made with them, If so I would like to have a XXXX  XXXX  copy of anything directly signed on with them. There was no consent given whatsoever.
Product: Debt collection

They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I had my " XXXX XXXX '' supposedly " frozen '' and received my confirmation letter with my PIN in case I needed to unfreeze it. 

I subsequently disputed some information on my XXXX XXXX and Experian credit that keeps reporting incorrectly. Afterwards, I received a letter from both XXXX XXXX and Experian that they " validated '' their information from " XXXX XXXX ''. By law the credit bureaus are supposed to go to the original provider and if that is " XXXX XXXX '' they can not keep reporting since it has been in a " security freeze '' I recently inquired again with XXXX XXXX about errors and they stated " there is not a " security freeze '' on your XXXX. I have proof to the contrary based on Consumer Number XXXX and Case Number XXXX ( see attachment from XXXX XXXX ). 

I would like XXXX to " quit '' reporting erroneous information to my credit reporting agencies and and to quit " falsely '' stating I did not request a " security freeze. " >
Product: Checking or savings account

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, NC Phone number XXXX. Social XXXX There has been two or three transactions for Im not sure the amount it was deposits me into my account that I have no idea how that even occurred. I spoke with someone yet I have not gotten an answer and my account got closed. I would like to retrieve my account that I had just make sure that I am able to be a customer at Wells Fargo. All of this information is located in my email address I should be able to find it when you get back in contact with me. I would love if someone could help me thank you so much.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my Equifax and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap
Product: Credit reporting or other personal consumer reports

I requested a dispute into a debt collector ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/ and I received the response back on XX/XX/ via electronic saying the information was verified as accurate. I don't believe TransUnion verified this debt legally and accurately because I don't owe a debt to this company or any company. XXXX XXXX never sent me a letter or statement asking for payment of this allege debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX XXXX in present date today is XX/XX/2023 I called Experian today at XXXX XXXX  and spoke with XXXX Representatives from different departments dispute Department and membership Department each kept throwing me back and forth saying it is the responsibility of the other department finally I got upset and told them I would report them there's some misinformation on my credit report that is not being shown they have my credit card usage at {$9200.00} of credit I have over XXXX worth of credit that's not being reported not as dead but as credit I could charge up I asked them to resolve this but they kept throwing me from person to person and not giving me a supervisor when I requested for a supervisor so finally I gave up and told him I would be reporting them now the information on my credit report should show that I have {$24000.00} of credit well they're only reporting XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX. XXXX  -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXXXXXX XXXX XXXX -- Account # XXXX XXXXXXXX XXXX XXXX -- Account # XXXX XXXX XXXX. XXXX XXXX -- Account # XXXX XXXX. XXXX XXXX XXXX -- Account # XXXX XXXX. XXXX -- Account # XXXX XXXX. XXXX XXXX -- Account # XXXX XXXXXXXX XXXX -- Account # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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: Credit reporting or other personal consumer reports

am writing to update/correct my personal information on file with your company.
Product: Debt collection

I am a victim of identity theft. The collector asked me to provide identity theft advocate report to them, so thats what Im doing. I wan na upload through here so they can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT ED/XXXX, # XXXX XXXX XXXX has violated my rights. 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

I claimed bankruptcy in 2007, but did not include my mortgage. my mortgage was kept in excellent standing. during that time, Wells Fargo 'bought ' my loan. 
since that time, they have not included my husbands name on the account and/or billing statements, they are not reporting the my payments on my credit report and i, as well as our attorney has contacted them to no avail.
Product: Credit reporting or other personal consumer reports

Recently I did investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.
Product: Debt collection

I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.
Product: Debt collection

To whom it may concern, XXXXNCB MANAGEMENT SERVICES has not provided information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). XXXXNCB MANAGEMENT SERVICES has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX. This is a violations of my consumer rights by.NCB MANAGEMENT SERVICES, including the use of false, misleading, and deceptive means. XXXX. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) .NCB MANAGEMENT SERVICES is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to .NCB MANAGEMENT SERVICES, I XXXX XXXX is also revoking all rights of .NCB MANAGEMENT SERVICES from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between .NCB MANAGEMENT SERVICES and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of TX.
Product: Credit card or prepaid card

I was trying to apply the Military Lending Act to my credit card and was denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ) if a debt collector fails to validate a debt all collection efforts must cease and the continuation of reporting that debt is a direct violation of FDCPA. JEFFERSON CAPITAL failed to validate a debt on behalf of XXXX XXXX  I have sent out several letters to all parties involved regarding this information including XXXX XXXX and XXXX requesting that they correct this inaccurate information on my credit file and both credit agencies responded that account was verified. Now I would like to file my CFPB complaint formally.
Product: Credit card

There is an account for Montgomery Ward that was opened in my name.. I have contacted this company numerous times. I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protections Act ( CFPA ). Spec filly, Cash App failed to take timely and effective measures tp prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions process 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 inconvenient and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of the XXXX  data breach, I placed a fraud alert on my credit report. The fraud alert shows up on the credit report on all 3 credit reporting agencies but it does not show my phone number. 
I tried calling Experian to speak with a live person in order to add my phone number to the fraud alert. However, their telephone menu does not allow this. All it asks is if I want to place a fraud alert, submit documentation. I am frustrated because the fraud alert is already instituted, but not my phone number. 
I am in the process of obtaining a loan and need my phone number added to the fraud alert ASAP before I can speak with a loan officer. 
Filing this complaint is the only recourse I know as CFPB quickly resolves issues affecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Debt collection

There were collection accounts added onto my transition credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.
Product: Credit card

Recently, Chase XXXX is taking an extraordinary amount of time to post payments sent by mail. In my case, it is already Already 8 days and still not posted with my bank. 

In my experience, this is a very long time when compared to both correspondence and payments I make to accounts well outside the local area. In some cases, across the country. 

The result is Chase XXXX charges a " late fee '' and perhaps interest on the amount due. 

My suspicion is this is deliberate and especially previlant during the holiday season when few people will question the extra charge or cancel their card in favor on one with more favorable terms. Of course, they can claim it's the post office which is at fault, but I suspect this is just another scheme to make money at the consumer 's expense.
Product: Credit reporting or other personal consumer reports

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

I must bring to your attention that I have repeatedly notified the Experian credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, Experian is the only one that has not rectified this issue. I demand you to remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.