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

The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. 
PayPal executive office rely to " high level of risk associated with your Account ''. However : XXXX. My account got only 19 completed orders on this account. 
XXXX. I got 0 complaints for all the time that I use this account. All my customers were happy. 
XXXX. On my previous account I had a XXXX of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 
XXXX. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. 

I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. 
I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing in regards to my XXXX  account. My credit history is missing. It only shows late payments. The " paid '' history all says no data. I've pulled my XXXX XXXX report. Both XXXX  and XXXX  show the correct payment history. Equifax report is missing this payment history. I've brought it to equifaxes attention and they state that it is reporting correct. 
I have attached that portion of my report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank  XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the XXXX data breach claim and remove the following accounts and inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides me the consumer with the necessary proof of Investigaton I want reported accounts removed. XXXX XXXX, XXXX, XXXX
Product: Prepaid card

I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. 

US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast as possible.
Product: Student loan

I was called XXXX on XXXX XXXX and reported XXXX XXXX, 2016. I submitted my XXXX to American Education Services ( AES ) on XXXX XXXX for my Servicemember Civil Relief Act ( SCRA ) benefits. I received an e-letter from AES that they were unable to confirm your XXXX XXXX status using the Department of Defense 's SCRA Website. However, I had faxed my XXXX. I called AES on XXXX XXXX and the representative confirmed AES had my XXXX. I asked her to submit a manual review. On XXXX XXXX, I received another e-letter stating the previous. Subsequently my XXXX were extended and on XXXX XXXX, I submitted new orders. I called on XXXX XXXX to verify receipt of the XXXX and was advised AES would need an additional 7-10 business days. I complained that they already had the first set and that these XXXX were no different, except extending my military time. I explained I needed the XXXX to be processed and the benefits applied, so I could request a forbearance before the next payment date. He could not explain why my benefits had n't yet been applied and that he could n't do anything to assist me. I asked for a supervisor and after 5-7 min on hold he came back and said there was no available supervisor to assist me. It should not be this difficult to receive my SCRA benefits.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included screenshot inside this complaint in on dates XX/XX/year> or XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. 

Thank you, Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax apparently supplies security questions to Social Security. The questions they have supplied do not pertain to me ( e.g. questions about mortgages, charge cards, addresses, former names, none of which are mine ). As a result, I can not access the SS site to set up an account to receive benefits. XXXX and XXXX both have proper information for me, with a correct listing of my loan and charge history - and I have a credit score of over 800. Equifax will not respond to my dispute request about this - it's website continues to say " This service is not in service '' and provides no means of talking with a representative. This has delayed my ability to apply for benefits for almost two weeks now. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transaction was infeasible. The CFPBs findings indicate that Zelle has not only negalected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam artist succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX XXXX XXXX I found fraudulent on my credit reports on XX/XX/year> and called to XXXX XXXX  and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I do not recognize.
Product: Debt collection

I disputed the Debit Company ( Military Star ) with XXXX several times via online as well as certified mail. I asked for validation of the debit by sending me the Assignment Contract from the Debit Collector & the Original Contract with my Wet Signature on it from the Original Debit Company. In which I have never recieved from either parties. What I did recieve from the Original Debit company is a bill statement saying I owe this debit. Then continue to report it to the credit bureau as closed account, & late patments, collection. XXXX  then updates the information on my credit report as validated within a couple of days of me filing the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX didn't reach out to the report companies to remove the lates.
Product: Credit reporting or other personal consumer reports

XXXX Credit Card opened on XX/XX/2017 showing a balance on my credit report of {$150.00}. This was a secured credit card with a secured high credit limit of {$200.00}, in which I could not go over that limit, the card would decline if any purchases were made over the {$200.00} credit limit or decline if the total was more than the balance of the {$200.00}. I also did not receive my secured deposit of {$200.00} back nor was it credited to my account. 

I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and up date the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2023, I received a message from XXXX XXXX ( a third-party credit monitoring service ) that stated that my Transunion XXXX XXXX had dropped XXXX points. A pond looking into the issue, I discovered that no new adverse information had been reported to my credit report : i.e., late payments. Interestingly enough, the same message contains another message that stated that the credit use on one of my accounts had drooped an as a result my credit will increase. 
I reached out to TransUnion on numerous occasion I was told why a credit report would drop but no one from Transunion could tell me why my credit had dropped XXXX points. From the first time I called TransUnion on Monday XX/XX/2023, up until today Thursday XX/XX/2023, they ( TransUnion ) have been unwilling o help resolve my issue. I have been repletely placed on hold, muted and hung up on. 

Please see attachment to see email traffic from XXXX XXXX
Product: Mortgage

On XXXX the CFPB issued a publication entitled " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic '', reference : https : //www.consumerfinance.gov/XXXX The report explains the Bureaus approach to Compliance Aids and, among other things, states the following : " QUESTION 4 : Can a furnisher comply with the requirements of the CARES Act relating to reporting of accommodations simply by using a special comment code to report a natural or declared disaster or forbearance? 

ANSWER ( UPDATED XX/XX/XXXX ) : As discussed in FAQ # 2 above, the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation or not to advance the level of delinquency if it was delinquent prior to the accommodation. Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements.

After the modification approval with Shellpoint, three monthly trial payments of {$1400.00} were executed via autopay, starting on XX/XX/XXXX. Such payments were made on time and continued regularly on a monthly basis until the modification is finalized. The account deserves credit protection and being reported as current, given that the CFPB instructed so, and Shellpoint took all monthly payments right after coming out of the authorized forbearance period. 

Newrez/Shellpoint is in violation of such guidelines. And the CFPB needs to secure compliance, or refer me to the Federal organization that does. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I made frequent payments on my card to keep current due my usage. The beginning of XXXX I made a payment of XXXX and Capital One restricted my card for payment. I contacted Capital One right away to verify payment along with 10 additional calls over the past month XXXX to clear my account. I have yet to get resolution and was informed the fraud management specialist would contact me. I have not heard anything. I called again XX/XX/23 still no resolution. Now my card is reported negative on my credit report for delinquent payment and this unacceptable. Poor business practices within Capital One especially when I am contacting the company to resolve snd continue business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.