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

I have used Zelle for many years through multiple financial institutions. They failed to let me know that recovering lost funds was impossible until after using the services and that there was no way to get my money back. Zelle has neglected to protect its consumers and always points you back to your financial institution- which becomes a never ending blame game of one blaming the other. Which is interesting, considering that the bank I had at the time, Wells Fargo, is actually one of the owners of Zelle. This gross negligence needs to be investigated
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, PayPal received a {$1700.00} payment to my account from a client and deducted a {$62.00} fee to process the transaction. Due to login access problems, I called by phone and requested the funds be disbursed directly me. 

On XX/XX/2022, PayPal posted a transfer of my remaining {$1700.00} balance as a " Payment to : PayPal '' and coded it as a General Account Correction, ID : XXXX. Despite repeated attempts to rectify this issue with PayPal their automated " Resolution Center '' will not accept my report of a problem and assign me a case number. Their " Message Center '' will not allow me to file a dispute. 

Even talking directly with numerous supervisory representatives including their Escalation team no one would open a claim or case on this matter. The only response I have been able to receive in months is that the matter has been escalated to their higher level team and a response will be coming via email within 24-48 hours. No response ever arrives. They have exceeded their internal timeline for review before arbitration should occur yet I have no active internal path forward. 

Supporting documents are being submitted.
Product: Debt collection

I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} XXXX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} EXPERIAN : XXXX XXXX Original creditor : XXXX XXXX. 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Product: Debt collection

Greetings, There is inaccurate information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transaction to be reported on my consumer report. There is no written CONTRACT from me, the CONSUMER authorizing the account listed below. I am requesting that the reporting information be blocked and deleted from my consumer report, immediately. My request to block is not made in error, nor is my request to block being made based on a material misrepresentation of the fact conveyed by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transactions made by me as the consumer and I have never resided at the location associated with the account listed below : CCS COLLECTIONS | XXXX XXXX, amount {$1200.00} Pursuant to fair credit laws sanctioned by Congress this information must be blocked and this transaction on my consumer report must be removed within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XXXX, Transunion INCORRECTLY totally DELETED and REMOVED my XXXX XXXX Credit card account! I disputed the balance only!! Instead they DELETED THIS ACCOUNT and Dropped my FICO score 15 points!
Product: Debt collection

I have been harassed by chase bank since XX/XX/XXXX on a {$1000.00} debt that I do not owe! I tried to resolve their mistake in XX/XX/XXXX with suprv. XXXX # XXXX, who I finally gave her the last XXXX digits of my s.s. #, she apologized, & claimed I would not be bothered again.On XXXX/XXXX/15 I got another call on this same issue I explained they have the wrong XXXX XXXX, I have no debt ( home, cars are all paid for I have an XXXX fico score ), I am XXXX w/ a XXXX awaiting XXXX, & I do not need this stress from Chase bank, who claims they are calling on behalf of Best buy. Can someone help me to resolve this harassment/stress. thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Date opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXXXXXX XXXX. ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the XXXX for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit XXXX keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent XXXX hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids.
Product: Credit reporting or other personal consumer reports

I have missing address history in my Equifax credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau regarding my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. How can multiple companies collect on the same debt? I have never heard of nor done any business with them. These companies have yet to provide any validation documentation. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX I spend of 25 hours writing letters and dispute forms on line with USAA regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. USAA account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with XXXX, XXXX and Transunion. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following Transunion credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( Transunion ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the Transunion credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On Transunion File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.
Product: Debt collection

This is first of all a debt that was the result of Identity theft and opened without my knowledge the account. This account appeared on my credit report and I have no knowledge of this debt and never seen any collections attempt made by this company. I have seen the same old debt bought and placed back on my credit report. This company has bought a non valid debt. Also a police report as been filed in efforts to protect my information from those who used my information to open the bogus tradeline. 
Also the company may not be licensed to collect in the state of texas. And the account that they have reported was fully discharged for it being fraudulently opened.
Product: Credit card

I received a number of emails from " XXXX ''. One said that my phone number had been successfully updated for my Care Credit card and another that said my phone number has been successfully updated for my Lowes card, both with Synchrony bank.

In the email it says " Didn't make this change? Let us know. '' I thought someone had access to my accounts so I clicked on the link, but I found out that it was a fraudulent email. I thought it was legit because the email address seems ok.
Product: Credit reporting or other personal consumer reports

According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. EQUIFAX, XXXX [ XXXX AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''
Product: Credit card or prepaid card

Pursuant to federal law, Chase Bank is in violation of Federal Law 15 USC 1681a ( k ) ( 1 ) ( B ) ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX  : number of accounts with Delinquency, serious delinquency, length of revolving accounts
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company claims this debt belongs to me and it does not. It showed up on my credit report shortly after the data breaches. THIS IS NOT MY DEBT. i have NEVER DONE business with these people
Product: Money transfer, virtual currency, or money service

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

financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have XXXX tax lien via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from my report.
Product: Credit reporting or other personal consumer reports

My mortgage was transferred during Covid to Shellpoint mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, Shellpoint put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. Shellpoint reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to XXXX verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX is a retail store located at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

On XX/XX/2019 a customer called our store to make a purchase and spoke to XXXX about buying 300 5/8 '' plywood. At that time XXXX sent the credit card authorization form to the email provided. Within one hour the completed authorization was emailed back and the credit card was processed without any problem. 

On XX/XX/2019 XXXX was suspicious about this transaction, therefore I, XXXX called our credit card processor XXXX XXXX XXXX and expressed our concerns. Immediately the representative advised me that everything looked fine. 

On XX/XX/2019 the merchandise was picked up by a delivery truck at our store. 

On XX/XX/2019 XXXX received a call from Mr. XXXX XXXX the owner of the credit card to let him know he was not the person who made the purchase. 
A police report was filed the same day. 

Our account was changed back the total of the sale {$6600.00}. 

I stared a dispute with XXXX and presented all the documents pertaining the case : Mr. XXXX 's authorization form, City MasterCard copy, Invoice and pictures of the pickup truck with the merchandise. 
XXXX finalized the dispute XX/XX/2019 and these are the comments : " Based on the rules and regulations governed by the Card Associations and the details of this case, we are not able to resolve the dispute with the cardholder 's issuing bank. Your account has been debited {$6600.00}. If you choose to pursue further attempts to resolve this dispute, you must proceed directly with the cardholder. ''
Product: Mortgage

I am obligated to carry mortgage insurance until I have 20 % equity in my home. I reached 20 % equity in XX/XX/XXXX. I requested to have my PMI removed. After filling out a form and paying a {$150.00} fee on XX/XX/XXXX, I expected to have a response on my request no later than XX/XX/XXXX ( as the form I filled out stated that " Within 45 days of receiving your request if using original value or the completed BPO or appraisal if using current value, we will determine if your loan qualified for PMI removal and provide you a written response. '' Instead, I have received no response and was charged PMI on XX/XX/XXXX. I called ServiceMac ( my mortgage loan servicer ) today and was told they misapplied my {$150.00} payment and that they can not be certain that I will have my PMI charges removed prior to being charged again. I have no insight into how the " fixing '' of the misapplication will affect my loan balance or my right to have my PMI charges removed ( a premium charge that, given my equity cushion, does not create any value for me at this point ). I was told that I would not be given any update on what is happening with my loan for at least a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid all child support in full and I have tried to dispute this with Experian and XXXX and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this ERC ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXXn and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.