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

I have been with paypal as my credit card processing bank for 18 years. they just locked my account and wont let me withdraw my money from sales of products. We are a XXXX XXXX XXXX helping XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. We are a very small business and I need that money to pay bills and keep the business running. 
Paypal is doing this as retaliation because they paid out Seller protection money to us. which is they're Insurance plan if you will if anything happens to the transaction Paypal is suppose to cover it under the seller protection plan they made.

a stolen credit card was used and the product was stolen from us as it was delivered and I am sure resold somewhere else. Paypal did not take the money back form us. but instead we got our account locked saying we could not withdraw money or pay for anything from our paypal account. we have over {$20000.00} in there now. 
I have called into payal and spoke to a supervisor who said they would not release the hold on the account. and that they had to act like any regular bank. I told him no bank does this. they can not with hold my money. 
they are telling us we have to give them 6 Months of bank statements from another bank. which we already confirmed with paypal when we opened the account. Paypal has been depositing the money for us everyday since 2003 into this account. we should not have to stop everything and pay the bank to give us statements that are private information to load up to paypal to get stolen. they also want 2 years of financial statements. this is ridiculous. they have no right to do that and punish us just because they had to honor their seller protection plan. 
they are telling us we cant even close our account and get our money out. 
Paypal Has overstepped its boundaries. and if need be we will complain to FDIC and our Senators also, Attorney General, And any other banking regulator. since paypal said they were a bank.
Product: Mortgage

Summary : We have paid our mortgage on time every single month since we purchased the house in XXXX. The mortgage was set on auto-payment from the bank. Starting in XXXX Wells Fargo had issues processing the payment on their end. The money was successfully taken from our account and the transfer showed as success from our bank, however, Wells Fargo wasn't showing the money as paid. Each month we had to call to resolve it and they assured it was taken care of. In XXXX, they incorrectly opened a foreclosure on our house. The house was sent to public auction. Wells Fargo rescinded the foreclosure and sales notice because they admitted the error was 100 % on their end and our mortgage was and has always been in good standing. Now, in XX/XX/XXXX, they incorrectly opened another foreclosure and they have assured us it is rescinded, but we have yet to receive any documentation confirming the rescission. See timeline of this year below. 

XXXX XXXX : XXXX - We received a letter from Wells Fargo stating we had been removed from the mortgage assistance review program. The mortgage was paid on time as it has been every month so we were confused. 

XX/XX/XXXX - Called Wells Fargo to ask about the letter. They said it was sent it error due to the incorrect foreclosure that occurred in XXXX and that we should disregard. Verified recent payment was processed correctly and online account in good standing. 

XX/XX/XXXX - Received a letter attached to our door from a lawyer who offered to help us on the recent foreclosure opened. No contact yet from Wells Fargo Called Wells Fargo and they said a foreclosure was incorrectly opened on our house and they were going to rescind it immediately. They were also going to send certified letters to all three credit bureaus and to us stating the foreclosure and late payments were in error. 

XX/XX/XXXX - Called Wells Fargo to ask about the foreclosure retraction and the certified letters. They said to expect it early the next week. 

We have continued to call Wells Fargo and they keep saying the letters are " on their way '' or " processing '' Harm Done : -Having XXXX incorrect foreclosures has had a severe negative impact. Currently we each saw a drop of more than XXXX points on our credit scores. In addition, we have people coming to our house looking to buy it at action or assist us with our mortgage. We receive about XXXX calls per day from load officers and lawyers offering assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th complaint against Transunion. They continue to add fraudulent collection accounts to my credit with dates of XX/XX/XXXX for the debt they should have removed years ago. I have one credit card XXXX XXXX everything else opened XXXX up until now is recycled fraudulent debt. I own my car never financed. The last car I financed was with XXXX XXXX and I paid the car off in full in XXXX. Why is it these credit bureaus are allowed to put unauthorized security freeze on someone's account again and again. The constant requests for documentation that they have had for years is out of control. I am hiring an attorney. Not one company has helped me. My consumer rights have been violated repeatedly and at this point I am owned money for the emotional and mental anguish I have suffered due to being a VICTIM of a data breech and identity theft. I paid {$30.00} to have my credit monitored with Transunion and I can't even see my credit report score. They took my money with no issues. This is out of control. I need help. I was told my security freeze removed which was unauthorized. I will find out today when I try to submit my reports to XXXX XXXX in XXXX XXXX My score is more than likely wrong due to Transunion reporting on fraudulent accounts. I did an affidavit for XXXX XXXX and XXXX XXXX about 4 accounts that were fraud. All 4 were suppose to be removed per their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

whats going on now? im still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors!
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report. Upon review, I discovered incorrectly listed late payments. 
Maintaining an accurate credit history is crucial, and these reported late payments do not reflect my financial responsibility. I seek your immediate intervention to rectify this error. I have contacted the company, and they have agreed to fix these issues. Please conduct a thorough investigation and take the necessary steps to remove this inaccuracies from my credit report. 
I kindly request your prompt assistance in correcting this error. Below is the details : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repo # rting act child support Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a collection notice I received from you on XX/XX/year>. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : WAKEFIELD & ASSOCIATES Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Tennessee has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive tried several times contacting by certified mail and CFPB and nothing gets rectified. They say theyve done a full investigation and just update the credit report with the same numbers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>XXXX  My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

It has been brought to my attention that there has been a fraudulent lien and loan taken on my property at XXXX XXXX XXXX, XXXX XXXX, LA XXXX by Goodleap , LLC. I am demanding copies of all documents that Goodleap , LLC has pertaining to this transaction be provided to me otherwise I will be forced to take legal action.
Product: Prepaid card

on XX/XX/XXXX i have contacted wisely/ ADP regarding a fraudulent on my card on XX/XX/XXXX i disputed 5 charges at {$400.00} each for {$2000.00} that was taken out my card without my authorization, they did their investigation and contacted me they found no error and they wouldn't credit me, i have requested them to reopen the case more than 2 times, they still didn't give me the credit for what i lost, they requested to get a police report as they requested with XXXX police department case XXXX XXXXXXXX then requested to re open the case again, again they didn't give my money back. i'm tired and in need for my hard money from doing taxi all day.
Product: Debt collection

This complaint is to establish a written record of my communication with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of PayPal to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a XXXX XXXX XXXX XXXX specialist today after receiving a notification letter on behalf of PayPal regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to PayPal and will file a police report. 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

The following items are inqueries on my report that did not happen. Chase has no record of them. There is no history of applications, inqueries, or accounts from any of the XXXX support people I talked to at Chase. 

XXXX refuses to remove them, even though it seems to be from Identity Theft. 

JPMCB CARD Inquired XXXXXXXX  On record until XX/XX/XXXXXXXX  JPMCB CARD Inquired XXXXXXXX  On record until XX/XX/XXXXXXXX  JPMCB CARD Inquired XXXX On record until
Product: Mortgage

My spouse and I have had to have you intervene on several occasions concerning our home mortgage in the hands of Ditech Financial, LLC, and their incorrect reports of us not paying our mortgage payments, charging us copious late fees, threatening foreclosure on our home, reporting this incorrect information to the credit bureaus causing damage to our credit, etc. This company continues to remove all of the incorrect information when you get involved, only to turn around and do the exact same thing within 3-4 months. They are now claiming that we 're 3 months in arrears, claiming we did n't pay in XXXX of XXXX, XXXX of XXXX and XXXX of XXXX, which we have cashed checks from the bank to prove otherwise. And the continued late fees they continue to add onto our account is insane when you consider this is their accounting error. 
Not only have we made every single payment ( as our complaints before ), but we 've paid every single payment early. At this point, they are also trying to get more money from us by sending us letters regarding our escrow balance being too low, which is incorrect as well. We 've had this problem with Ditech going back to XXXX of XXXX, where they applied our XXXX ( XX/XX/XXXX) and XXXX ( XX/XX/XXXX) payments both to the month of XXXX ( XX/XX/XXXX ), as they admitted on many occasions. This became an issue when Greentree sold/merged with Ditech and we are simply sick to our stomachs having to continually deal with their fraudulent reporting/record keeping. This has caused medical conditions to flare up, costing us more and more money as well. 
We believe Ditech needs to be shut down, we 've read the countless complaints others have posted, including losing their homes to this company from their fraudulent practices. Enough is enough and something NEEDS to be done. We can not even refinance through another lender because of these problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice from my report that they had closed my account ( XXXX XXXX XXXX  XXXXXXXX XXXX ) on the XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681B ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transcations that are not initiated by consumer ( inquires ) - ( 1 ) In General A Consumer reporting agency may furnish a consumer report relating to any consumer pursuant to 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 transacation consists of a firm offer of credit or insurance.

( 3 ) INFORMATION REGARDING INQUIRES I DID NOT GIVE CONSENT TO ANY COMPANY TO PULL MY CREDIT REPORT THEY JUST PULLED IT ON THERE OWN I GUESS THEY WERE BORD OR NOT PAYING ATTENTION OR WHAT EVER THE EXCUSE IS BUT I JUST WANT THE FOLLOWING INQUIRES OFF MY REPORT : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXER BANK - SXX/XX/XXXX I HAVE TOLD THE CREDIT BURASU A MILLION TIMES ABOUT THIS ISSUE ESPECIALLY { { EQUIFAX } }!!!! EQUIFAX TOOK THE INQUIRES OFF SENT ME PAPER WORK THAT THEY TOOK THE PAPER WORK OFF THEN INSERTED THE INQUIRES RIGHT BACK ON MY REPORT AND DID NOT EVEN SEND ME A LETTER BEFORE HAND TO TELL ME THAT THEY WERE GOING TO DO THAT!! THAT IS A VIOLATION!!! EQUIFAX STAY VIOLATING EVERYDAY LIKE ITS A GAME!!! I CALL EQUIFAX AND IT TAKES ME 3 XXXX HOURS TO GET A LIVE PERSON ON THE PHONE AFTER THE COMPUTER HANGS UP ON ME OR ACT LIKE IT CAN'T VERIFY MY INFOMATION BY TELLING ME THE INFO IM GIVING THEM IS WRONG!! HOW COULD THAT BE I KNOW MHY XXXX CREDIT REPORT INSIDE OUT I KNOW MY OWN PERSONAL INFOMATION WHEN ASKED ABOUT TO BECAUSE ITS MY INFO MY LIFE!!!!!!!!!! IM TIRED OF THIS EQUIFAX BETTER STOP PLAYING WITH ME!!!!!! AND THEY NEED TO ANSWER THE PHONE!!!! PEOPLE NEED HELP OUT HERE WE ALL HUMANS NOT ROBOTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Courthouse stated that they did not report to XXXX  nor Equifax that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my XXXX  and Equifax is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.
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. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX and list of Inquiries 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.