23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed on the sale of the property mortgaged by Truist Bank on XX/XX/year>. Truist issued an escrow account balance refund in the amount of {$13000.00} on XX/XX/year>. Said check was never received at the forwarding/mailing address but is thought to have been intercepted enroute or stolen from the mailbox and deposited by an unknown third party. Communications with Truist on multiple occasions resulted in our receipt of a check image in the mail on XX/XX/year>. This check image does not evidence any endorsement signature and carries an XXXX XXXX  ( with whom we have no relationship ) account number and deposit timestamp dated XX/XX/year>. 

We have filed police reports and reported the incident with both Truist Bank and XXXX XXXX  at Truist 's instruction yet have not received any further communication within their advised timelines on investigation process, progress, or intent to remediate the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. XXXX is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by Experian. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now Experian will not allow me to dispute this account.
Product: Money transfer, virtual currency, or money service

Coinbase has frozen my account for XXXX months due to " suspicious activity '' and refuses to allow me to exchange my XXXX for cash and remove my money from coinbase to my bank account. If they lack security to protect my money and all they can do is lock my account so I can't access my money, this amounts to fraud and theft on their part. I want my XXXX converted to cash and all cash released so I can withdraw it to my secure bank account. 
As of XX/XX/year> I have {$6000.00} in XXXX and {$890.00} in cash in the account, I want to cash my XXXX and remove all my funds from coinbase. I am a 100 % XXXX vet and they are holding my XXXX funds against my will and for no clear reason and I do not trust a single word they say. The internet is full of people saying how coinbase freezes accounts for months and months and I refuse to let them steal my money out of what they perceive as " security '' which they do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Regards to CFPB Complaint XXXX, Account Ending in XXXX Capital One stated that " per your Customer Agreement that was disclosed at the time the account was opened, we may report information about your account to credit bureaus and others. Please note that late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' Pursuant to 15 USC 1681s-2 ( 7 ) ( e ), negative reporting is not required by law, but is optional. Capital One 's " Customer Agreement '' does not supersede federal law and none of this was done with my lawful authority. I'm also aware that prior to furnishing my nonpublic personal information to nonaffiliated third parties, such as the credit reporting agencies, that I was supposed to receive in writing, the option to opt out of credit reporting. I was never given this option. This is a violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ). Capital One also states that they are reporting accurate information, but without documentary proof from the Chief Financial Officer of this company showing that I've been late making payments on this extension of credit, then this is heresay. Because Capital One is being difficult in resolving these issues concerning this matter, this is an opt out notice. I give Capital One my lawful authority to remove this tradeline from my credit report. Attached below, you will also find a cease and desist letter. Keep, in mind that a consumer report is a means of communication pursuant to 15 USC 1681a ( d ) ( 1 ) and I am demanding that Capital One cease ALL means of communication which includes communicating to me through the credit reporting agencies. Please remove this tradeline from my credit report IMMEDIATELY.
Product: Debt collection

On XX/XX/XXXX, a sheriff came to my home and served me with paperwork from Pressler , Felt & Warshaw , LLP. The paperwork states its a debt from XXXX in the amount of {$1800.00}. Not only was this tactic extremely intimidating ( I have XXXX and this brought back a lot of XXXX for me ), it was also very embarrassing and humiliating to have a XXXX come to my house for this purpose. I work virtually from home and this was done during my work day while speaking with clients. The paperwork does not give any detailed information regarding what this XXXX debt is for, and I am now being harassed almost 10 years later! In the paperwork it states that I have 20 days to make a payment or my employer will be contact so that my wages will be garnished at a RIDICULOUS amount! Since receiving this paperwork, Pressler , Felt & Warshaw , LLP have called me every single day at least 4 times per day. I feel harassed, bullied, threatened, and intimidated by Pressler , Felt & Warshaw , LLP. I do not have the financial stability to make a payment within 20 days, let alone to be garnished over {$280.00} per paycheck. I am a single mother who is trying to make ends meet.
Product: Credit reporting or other personal consumer reports

Requested Transunion delete the account from XXXX XXXX. This account is inaccurately reported with monthly charge-offs, potentially re-aging debt illegally. This constitutes a direct violation of 15 U.S. Code 1681e ( b ), necessitating it's removal.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Dates associated with Item being disputed : XX/XX/2023 by Experian
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. TransUnion in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this?

TransUnion has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but TransUnion still have them as verified? Now TransUnion has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment.

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the matter..
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} : Date Opened : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$330.00} : Date Opened : Unknown?? 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$710.00} : Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} : Date Opened : XXXX XXXX, XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ) ; It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Debt collection

On XX/XX/XXXX, I was in a car accident and my XXXX leased XXXX was totaled. My lease was with Hyundai Capital Finance. On XX/XX/XXXX the account was settled with my car insurance, XXXX. I spoke with both companies to confirm that there was nothing else I needed to do and they both said everything was settled. 

On XX/XX/XXXX I got a new credit report in which my score went down by more than 120 points due to an unpaid balance of {$1000.00} with Hyundai Capital Finance. On XX/XX/XXXX, I proceeded to contact the company to ask what this debt was about. The agent I spoke with informed me it was money my insurance company didn't pay originally. I asked this agent why they did not attempt to contact me before marking my account as negative on my credit report. The agent said that they sent a letter to an address I haven't lived in for the last two years. My follow up question was why they did not attempt to call, email me, or contact the co-signer of this lease, to which the agent responded, " That is not our policy. We just send one letter and if we don't hear from you we send it to our debt collector agency. '' I told her that no collection debt agency had attempted to contact me in regards to this debt, so how could they ruin my credit without ever attempting to contact me? She said she could not speak to the process, but that I could try to contact XXXX and XXXX to dispute the claim. On XX/XX/XXXX, I promptly paid the debt and sent out letters to both companies and one to Hyundai 's Dispute Center. 

Now, XXXX and XXXX  have updated the account as paid and did not take any action in regards to my dispute about not being properly informed of such debt. I called Hyundai Motor Finance again on XX/XX/XXXX and spoke with another agent. I asked him if I could speak with the dispute center because I do not believe it is fair that my credit went down over 120 points when I have never made a late payment in my life. He told me all I could do was contact the credit agencies, both of which have not done anything. I have not heard back from Hyundai 's Dispute Center I promptly paid my debt and if you look at my credit report, I have never made a late payment in any of my accounts. This decrease in my credit score will negatively impact the next decade of my life. As a law student, I depend on my good credit I worked for to get good interest rates with my loans. I have been diligent in my payments to make this possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them.
Product: Credit reporting or other personal consumer reports

I have a collection agency by the name of Jefferson Capital Systems that i have no knowledge of a debt that they are trying to collect on behalf of XXXX for a balance of {$2100.00}, My phone services are with XXXX for the last 5 yrs and I have never tried to switch or even inquire about services with XXXX. This account was open on XX/XX/2023 and I am requesting that this deleted off my XXXX and XXXX report immediately.
Product: Money transfer, virtual currency, or money service

PayPal is company at Issue. They are holding a payment for no legitimate reason. First said it would be 24 hours, now saying it could be up to 5 days. The same person has sent me money last three weeks in a row. This week he wasn't able to for some reason and had to call them. He did and then updated his account per their direction and was able to send me the money. When I logged into my account to " accept '' it, it let me accept it but then put the transfer on hold, it said for up to 24 hours. Now 24 hours later they are saying it could be on hold for up to 5 days. Again, no explanation whatsoever for what the original problem was, why the payee needed to do something different this time, and why the transfer to me is now on hold. It's only {$530.00} so not worth a XXXX  complaint, which I told them I would file and I did that as well as filing this complaint with CFPB. First the payee had to call PayPal customer service just to get the transfer initiated on his end. Then I had to call today with no resolution on a 13 minute call to XXXX and spoke with XXXX.
Product: Credit reporting or other personal consumer reports

AFTER RUNNING MY CREDIT I NOTICE XXXX INQUIRIES REPORTING TO MY CREDIT THE SHOULD NOT BE. PLEASE DELETE THEM IN THE NEXT XXXX BUSINESS DAYS. 

THE FOLLOWING INQUIRIES ARE -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: Credit reporting, credit repair services, or other personal consumer reports

Please see identitytheft.gov form for list of fraudulent accounts, along with corresponding fraudulent inquiries and fraudulent addresses. Regardless of sending experian this information, they have not removed the fraudulent listings on my credit report.
Product: Debt collection

midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake but I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I use PayPal for XXXX  ( 100 % rating, no negative reviews ) as well as an intermediary for Coinbase ( PayPal is the only way to withdraw from Coinbase ). My email linked to my PayPal is XXXX. 

I've tried calling PayPal 5 times ( now the automated response says my account can not be discussed by phone ), I've tried reaching out by XXXX ( put on a 'first come, first serve ' list where my position has never come, I've tried emailing every email address I've been given to seek more information on why my account has been permanently limited and why I've been blacklisted from PayPal . I've tried using PayPal 's Message Centre which gives me unhelpful automated responses to which I can not reply. I have thousands of dollars locked in PayPal and will continue to pursue what's right.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX XXXXXXXX.Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XX/XX/year> To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.
Product: Credit reporting or other personal consumer reports

I have discovered a fraudulent inquiry on my credit report that I did not authorize and have no knowledge of. This inquiry is both unauthorized and fraudulent, and I insist that it be removed immediately.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were obtained by JPMCB on XXXX and XXXX, and by XXXX XXXX on XXXX. XXXX  XXXX XXXX also obtained an unauthorized inquiry on XXXX. I am filing a police report and need to correct my personal information, which contains multiple incorrect names and addresses that are not mine.
Product: Checking or savings account

I have direct deposit set up to hit my Capital One Checking Account weekly. This week, I guess due to some issues with the system, I have yet to receive my direct deposit from my job. This is a deposit of roughly {$500.00} that I expect to be deposited to my checking account every Thursday ( because I have early deposit ) and on time! 

I figured there was an issue when I didn't receive a notification about my direct deposit hitting my account. I received a late email around XXXX last night about an issue with direct deposit and other checking services. Capital One knew about this issue dating back to XX/XX/year> and did nothing to be proactive about notifying individuals about this issue. This is such an inconvenience. 

I don't know what issues Capital One have with the feds ( according to their lawsuit ) but it does not give them the right to hold money that I have earned from working. My funds need to be released ASAP!
Product: Checking or savings account

XX/XX/2022, I received an alert from my credit bureaus about someone opening up an account with my social security number. I want a report of all accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a line of credit on XX/XX/2016 with XXXX XXXX XXXX for buying an engagement ring, and paid the full balance off that same year ( XX/XX/16 ). The amount of the credit limit was {$3500.00}, and the balance was {$3400.00}. 

This account is still being listed as active. I called the company and they said they have no record of me in their system anymore, and to come here and file a complaint to get it scrubbed from my credit report.
Product: Checking or savings account

On XX/XX/2018 as l was depositing {$20.00} on my checking account l discovered a excessive fees on my checking account of {$12.00} and {$33.00}. 

I contacted Bank of America representatives to reconsider refunding those fees as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 
Bank of America Representatives stated that fees will not be refunded. 
I am on a XXXX XXXX fixed income pension and l can not be paying fees.
Product: Money transfer, virtual currency, or money service

Unable to connect to XXXX to deposit funds into my trading account