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

My checking account with Suntrust is closed without any information. Its been closed for over 2 months now. I call every week for an update and they do not have any. That was my only bank account i used for everything. It caused an inconvenience for me because i used that to pay all my bills. I was left with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX notified me of a debt of {$990.00} and LVNV Funding LLC notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with XXXX XXXX XXXX and LVNV Funding LLC. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.
Product: Money transfer, virtual currency, or money service

In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.
Product: Mortgage

Requesting PMI removed because the value of the home is way higher than 20 % of the loan. Im being told that my loan amount has to be less than 80 % of the original loan amount. Per CFPB website the value of the property has to be higher than 20 % of the loan. I have requested to get an updated appraisal but all sites including CMG website show the value 35 % or higher than the loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXXXXXX XXXX XXXXXXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today.

No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was desperate to have a fraudulent collection removed from the credit reports. XXXX XXXX was recommended to me a XXXX representative. I signed up at the lowest level that just included sending the necessary letters and documents to remove the collection. The beginning was rocky when I was billed {$120.00} rather than the {$59.00} they advertised. They reduced my membership, but never adjusted for the first month 's charges. Prior to hiring them I had a medical bill removed on my own. Of course XXXX XXXX considers that a success of their program. Ultimately, after 6 months they produced no results other than income to them. When I questioned that lack of production they just cancelled me and tried to collect for days after service cancelled. Another example of a company claiming to helping people when they only help themselves to our money. In the end they turned ugly and tried to intimidate me to continue services.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I RECENTLY HAD A DISPUTE WITH A MERCHANT WHICH RESULTED IN MY NAVY FEDERAL CHECKING ACCOUNT BEING CLOSED DOWN AFTER FURTHER REVIEW NAVY FEDERAL ASSISTED ME WITH RESOLVING THE DISPUTE AND SETTLED IN MY FAVOR FOR THE AMOUNT OF {$1800.00} ITS BEEN A ONGOING ISSUE AND DELAY ( WEEKS ) WITH NAVY FEDERAL RETURNING THE FUNDS TO MY ACTIVE SAVINGS ACCOUNT THAT I HAVE WITH THEM IVE CONTACTED AND SPOKE WITH 9 DIFFERENT SUPERVISORS EXPLAINING THAT THIS IS CAUSING A BIG FINANCIAL HARDSHIP ON MY FAMILY BY FUNDS STILL NOT SHOWING IN MY ACCOUNT ACCOUNT NAVY FEDERAL CHARGED OFF MY CHECKING ACCOUNT FOR A OUTRAGEOUS AMOUNT THAT I FEEL I WASNT RESPONSIBLE FOR ALSO IT WAS STATED A ACCOUNT CANT BE CHARGED OFF UNTIL AFTER 180 DAYS OF THE UNPAID DEBT BALANCE THEY HAVE TAKEN 3 MONTHS OF CHILD TAX CREDIT PAYMENTS ALONG WITH ADDITIONAL FUNDS I HAD REMAINING FROM ANOTHER ACCOUNT I HAVE WITH THEM PROVIDED NO LEGAL RIGHT TO DO SO OR EXPLANATION ON WHY THE FUNDS WERE CONSTANTLY BEING TAKEN FROM MY ACCOUNT IVE BEEN GIVEN NO EXPLANATION OR ASSISTANCE ON WHEN I WOULD RECEIVE ANY OF THE FUNDS IM ENTITLED TOO
Product: Checking or savings account

I see all my credit report that a Wells Fargo checking account has been added to mine and I do not bank with Wells Fargo bank with XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX  reports because of this issue. In XXXX Equifax responded via XXXX  that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of XXXX  as it relates to [ me ] specifically Account # XXXX. I can not contact XXXX  XXXX XXXX directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to Transunion or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between XXXX and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with Transunion ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is they've reported incorrect information as opposed to the other LARGE BANK, here XXXX XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.
Product: Checking or savings account

Pnc online banking will not allow XXXX to link to my account even though I am giving XXXX permission and Pnc says they wont do so because of a security issue
Product: Checking or savings account

Some one open up checking account from US Bank without my knowledge there was a debt card inside it was for unemployment the letter came from the State of Colorado Idid n't apply for unemployment benifits This is a case of fraud I did not open up any checking account from US Bank This checking should be closed.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of this year, I reached out to Experian regarding inquiries that were listed on my report that I did not authorize, nor did the company who accessed my report have a permissible purpose to do so. Experian did not remove the specific inquiries that I brought to their attention and continues to report each one after my dispute. Experian has not provided any proof of my authorization of anything and willfully neglects their responsibility to ensure that they are maintaining accuracy in reporting my credit information. Experian is in full violation of FCRA law 604 ( a ) ( 3 ) and 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with transunion last year for a account that was fraud and I also froze my account so that the fraud account could be removed, which the collection is now named XXXX XXXX and says that I owe {$1300.00} which I do not, I was only XXXX when this account was open and it keeps coming back which I dont need it to. I am now asking transunion and XXXX XXXX & XXXX to freeze my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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
Product: Vehicle loan or lease

On the XXXX of XX/XX/2019 my car was repossessed in New York XXXX XXXX the next day I called Toyota Financial Services Collections to know what my options where to get the car back I was told I have reinstate policy and I have to pay that amount for me to get my car back, on the day of the repossession my girlfriend was the one driving the car and she parked on the side of the road while she was in the car and a tow track guy was towing the car she wouldn't let go of the car so the tow guy called the police XXXX not sure what happened but my girlfriend came home and I ask her where my car was she said they took it.So the next day was when I called Toyota Financial services with my options on the car they told me I had reinstate police which I had to pay XXXX to get the car back I did by paying XXXX XXXX so I called them to give them the control number for XXXX they told me I no longer have reinstate police but I have to pay the car loan in full. I have the reinstate police documents they sent me in my mail I would like to know why they said I no longer have the reinstate police.
Product: Mortgage

I was told by Freedom Mortgage back in XXXX, that I would need to do a Loss Mitigation Packet, if I want to make a change to my Mortgage regarding payments. So, that's what I did. I submitted my Loss Mitigation a total of 3 times. I have the proof of everything requested and sent. Time would go by of over 30 days, I would be told to submit documents. Each time I complied, and wrote to them, that everything being asked I sent. Over and Over, I submitted the same documents. XX/XX/XXXX the sent a letter, saying the needed more documents that I already submitted by XX/XX/XXXX. I did again. I called 6 days latter to see if finally after submitting the same stuff over and over again. I was told by an agent on or about XX/XX/XXXX, my home was Foreclosed on. My Loss Mitigation never got reviewed, I kept getting the run around. I still live in my house. I asked for them to reverse the decision, no reply. I can afford to stay in my house, and keep it. They never reviewed my Loss Mitigation packet. I've tried to work things out Freedom Mortgage, but I can't seem to get a hold of a person. Online messaging for everything Please help me. Michigan is a redemption period is 6 months. I have 3 months left. Please help me with this. I want to keep my house.
Product: Debt collection

Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.
Product: Checking or savings account

On XX/XX/XXXX I was a victim of identity theft where my all of my bank accounts and investment accounts were stolen and depleted. 
the following accounts were affected XXXX XXXX, Bank of America, XXXX, XXXX XXXX 
I contacted each banking institution and investment company the same day to let them know what happened. 
XXXX  refunded the money stolen however Bank of America and XXXX  refused to refund the money stolen. Bank of America and XXXX were contacted the same day. I reported the issue to the police and was provided with a police report which was faxed to BOA. every time i call is a hassle and they keep closing the case and reopening a new one. I was already provided with two claim numbers. On XX/XX/XXXX I faxed the police report to XXXX claim number XXXX. On XX/XX/XXXX I contacted them again and was told they never received the report and closed the case. I was again provided with another claim number XXXX and was to fax the police report to XXXX at XXXX. The amount of money that was stolen from my account is {$3900.00}. i am seeking your help in this matter. 
Bank of America do not put their customers first they are prone to penalize customers XXXX  as well never refunded the money and was adamant of accusing me as the person that consented to the transaction. the amount was approximately XXXX. I was also told that it was the responsibility of the customer to track their moneys not them, Customers are not safe with these institutions people should not invest with XXXX  for they do not have an adequate security system to protect customers. 

Please help Sincerely,. 

XXXX XXXX XXXX
Product: Mortgage

I have the money in the bank and i tell them to take the money and they wont take it when i tell them so its there fault if they wait until all my others bills takes the money then they try to take it out
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there is an account that I did not open reporting as late in my credit report. I lost my check book and immediately notified my back and they changed my account information to protect me from fraud. However it seems that some one used my old checking info to open and account in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1994 To Whom It May Concern, I am writing to formally dispute and request enforcement of my legal rights in relation to inaccuracies and unverified information on my credit report. The following accounts have been reported with errors that have had a negative impact on my creditworthiness : XXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), Failure to Verify Information DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments XXXX XXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments The errors and unverified information associated with these accounts have not only caused financial distress but have also had a profound impact on my overall well-being. I have faced considerable emotional stress due to these violations. I am sharing a personal story that illustrates the extent of the harm caused by these inaccuracies. 

A few years ago, I embarked on the journey of securing a mortgage to provide my family with a stable and comfortable home. To my dismay, I discovered inaccuracies on my credit report, including unverified payment statuses, balances, comments, and payment history. These errors hindered my progress and financial aspirations, leaving me frustrated and emotionally drained. The emotional toll of these inaccuracies has been significant, affecting my family 's future plans and our peace of mind. 

I urge the Consumer Financial Protection Bureau to uphold my legal rights under the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws. The violations committed by the creditors have not only damaged my financial stability but also inflicted emotional harm. I respectfully request the following actions : XXXX thorough investigations into the inaccuracies associated with each account, as detailed above. 
Enforce the relevant provisions of the FCRA, such as Section 1681e ( b ) and Section 1681i ( a ), to ensure accurate reporting, timely corrections, and verification of information by the creditors. 
Facilitate the removal of unverified and inaccurate accounts from my credit report to restore my financial reputation and provide an equitable assessment of my creditworthiness. 
I sincerely hope that the Consumer Financial Protection Bureau recognizes the urgency of addressing these violations and ensuring the protection of consumers ' rights. The journey to rectify these issues has been fraught with stress, uncertainty, and frustration. By taking decisive action, you can contribute to the resolution of my financial difficulties and alleviate the emotional distress I have experienced. 

Thank you for your time and consideration of this matter. I eagerly await your response and the resolution of these disputes. 

Sincerely, XXXX XXXX
Product: Bank account or service

My bank sent an online payment to one of my creditors. The creditor said they never received the check. The check was cashed and endorsed but the endorsement was not one that the creditor uses. We sent an Affidavit of Forgery, Alteration, Counterfeit or Unauthorized remotely created Check to the creditor so that our bank could open a Fraud Inspection investigation. The creditor would not sign it because they say they never received the bank. Our bank can not open the investigation without the affidavit. We been going back between the creditor and our bank for over a year. The creditor and continuously refused to sign it.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States :
Product: Credit reporting, credit repair services, 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. 

PUBLIC RECORD : XXXX XXXX 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 take 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. The bankruptcy is under an address that does not belong to me. I have repeatedly sent in documentation and transunion refuse to remove. This is my final attempt for I have reached out to legal representation to file a class action lawsuit. I am 100 % sure this is taking place with other consumers and it needs to stop! THE ADDRESS THAT THE BANKRUPTCY IS UNDER IS DELETED FROM MY XXXX XXXX FILE I HAVE ATTACHED THE PROOF TO SHOW THAT XXXX XXXX XXXX XXXX, XXXX, OH XXXX WAS REMOVED BECAUSE I NEVER LIVED THERE.
Product: Checking or savings account

I received notice to my email that a Bank of America account had been opened. I received these messages at XXXX XXXX XXXX this morning. I did not open any new banking accounts recently. I tried to call the support and fraud numbers on their website to speak to a representative, but I kept getting stuck on the automated messages about providing the account numbers. I don't have them since I wasn't the one that opened it. I have emailed their fraud department and customer service this morning, but have yet to hear back from them.
Product: Money transfer, virtual currency, or money service

Hi, I want to file a complaint against Paypal. 

I have opened my account 6-7 years ago, because i feel it was safe to purchase items Mostly in XXXX webstore without disclosing my XXXX card information. 
As an occasionnal consummer, using paypal services worked well. 

In XX/XX/2023, my paypal account has been hacked. 
Someone got access to my account, opened a bussiness account, and several fraudulent transactions were made. Since then Paypal has locked my account in order to investigate and pay back the people that were scammed. 
My account is limited since then, and i was hoping everything will be back to normal. 

I have recently contacted Paypal resolution center, and have been informed that my paypal account is permanently limited. 
This in itself is not a beal deal. The big deal for me is being unable to delete my account which contains all my personnal information ( Name, address, phone number and XXXX  card information ).