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

Complaint Overview Type of Issue : Funds being held by PayPal for 180 days due to account limitation. 


-- - Detailed Description : Date of Incident : XX/XX/year> Amount Involved : XXXX XXXX Actions Taken : I contacted PayPal customer service multiple times regarding the limitation on my account. 

I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX but my concerns have not been adequately addressed. 

I was informed that my funds would be held for 180 days, which I believe is excessive. 




-- - Impact on Me : The inability to access these funds has caused significant financial strain. I am unable to pay for emergency bills and my child 's medical needs, which has created a stressful situation for my family. 


-- - Desired Outcome : I am seeking a resolution to have my funds of XXXX XXXX released sooner than the imposed 180-day hold.
Product: Money transfer, virtual currency, or money service

An online banking Service VENMO has received money on my behalf but will not release the money to me claiming the account was frozen due to suspicious activity, however the only activity I attempted was to retrieve the money. 

Continued contact with VENMO included their request for bank statement and drivers license which was supplied to them, but they still will not release the money sent to me. 

I am charging VENMO with THEFT
Product: Credit reporting or other personal consumer reports

LexisNexis did not answer the main question at hand. If there is a XXXX XXXX why would LexisNexis furnish a report unlawfully? If LexisNexis contends that their XXXX was lawful then they must provide that verification and proof. 

LexisNexis needs to provide a detailed audit of each XXXX they have provided since the XXXX XXXX was placed and the reasoning and verification used for each instance. This must be done for all XXXX of all consumer reports maintained by LexisNexis.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting. Discrepancies my financial Institute in Zelle failed to investigate my claims adequately. They informed me. That recovering loss funds Was impossible tracking these transactions was unfeasible. The the CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Product: Bank account or service

I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.
Product: Credit reporting or other personal consumer reports

I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue since 2016 Im a victim of identity theft XXXX!!!! I have been catching XXXX trying to prove my identity Ive been contacting all credit bureau after credit bureau to get this fixed and Im not getting any help I found helpful information a few days ago about a data breach with my social security number being exposed and was able to get this contact information my credit has been messed up I literally found out Sunday someone also has a home in my name living in California!! As stated earlier I have made police reports sent in dispute letters complaint and trying to prove things on my credit report are NOT ME!!!! Please help me with these issues its gone on far to long
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, XXXX  for {$3600.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report five fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX  opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items ceased. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts Original Creditor : 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  each of these accounts 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 account listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. This account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

XXXX XXXX XXXX XXXX : {$1700.00}
Product: Checking or savings account

I noticed unusual activity in my account of XXXX transactions posted for {$3000.00} and {$1000.00}. These charges were made on XX/XX/2023 to whereas my only transaction was made early in the morning via digital wallet, aside from pending transactions that posted on XX/XX/2023. I gave Wells Fargo a call on XX/XX/2023 when I noticed this activity because I was about to purchase food, and also I needed funds to initiate a payments for upcoming bills, to realize my funds were depleted. Wells Fargo further closed card and account. I explained that I contacted merchant of {$3000.00} charge, and they further explained I needed to discuss this matter with my financial institution, as though transaction had already posted. I ask Wells Fargo what further steps do I need to take in order to recover my funds. Wells Fargo explained nothing else needed to be done. Wells Fargo immediately reversed {$3000.00} transaction, but not the {$1000.00}. I called Wells Fargo XXXX times to check on matter, as they explained everything is going good the situation is almost resolved we reversed {$3000.00} you receive your money back you are good, if anything I will receive correspondence via mail. I never received any further information from Wells Fargo. On XX/XX/2023, I went to pump gas for the transaction to decline. Wells Fargo had a pending reversal transaction in my account for {$3000.00}. I called Wells Fargo first thing in morning, and they explained to me nothing else could be done. Wells Fargo directed me to deposit funds to wiggle out of negative balance, and file a police report. I further explained to Wells Fargo I instantly received credit, and after claim is resolved it is reversed almost XXXX months later very odd to whereas I never received correspondence upon investigation, and I requested further information explaining their decision. I called Wells Fargo some more times asking for evidence via mail, which I never received. Now, I am being spam called by XXXX a debt collector of Wells Fargo.
Product: Credit card or prepaid card

I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on Equifax and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report.

The details of the disputed debts are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( XXXX, XXXX, and TransUnion ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them.

These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX
Product: Mortgage

I have contacted my mortgage company, Truist, multiple times to change my bank account on file with them. Whenever I go into the application or the website I get errors that I am not the authorized user despite my name being on the mortgage and on the account with the new bank I want to add. I will call them again on Monday, XX/XX/2024, if I can't get thorough their application again this weekend, but they refuse to add my account manually, and my old account, I believe was deleted.
Product: Debt collection

I just received notification of a collection on my credit bureau for a company I have never heard of. It says original creditor is XXXX XXXX and the collection agency is SECURITY CREDIT SERVICES. I XXXX  XXXX XXXX and it is some type of leasing company. I have never leased anything in my life. I want this investigated immediately. I want to know where this originated, what identity documentation was used. I 'm very concerned that my identity has been stolen.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$240.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.
Product: Credit reporting

Within less than a month my credit score has gone down XXXX points to XXXX went up to XXXX and down to XXXX from Experian. I am not sure if this is in retaliation for filing a previous complaint with the CFPB ; which they have not addressed yet. I need Experian to fix this negligence with people 's credit score. Nothing new has been reported.
Product: Debt collection

Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Credit Line : {$300.00} Balance ; {$1200.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.