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

Paypal closed my acount for no reason and will not help me with getting it back up. 
I am not sure if this is some mistake or what really happens Im very poor and this money I received ( XXXX ) will help me a lot and I really Can not wait XXXX  days to get my money cause I just need this money now, to get some food and to live as decent possible. 
I think they are not doing his job properly doing this with a familly mother My e-mail linked in Paypal is XXXX Please help me to fix it
Product: Credit reporting

I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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 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 List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan accounts XXXX XXXX XXXX XXXX -  XXXX, XXXX XXXX with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account #, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, Experian and XXXX   consumer reporting agencies, I determined that said reports contained a XXXX  XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, Experian and XXXX. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit report.
Product: Mortgage

I put in an auto-pay for XX/XX/XXXX, which would cover my payment due on XXXX. The payment did not go through. I called the first week of XXXX and they were not understanding of the issue at all, so I had to hang up the phone. If I pay outside of their autopay system, they charge me an extra {$20.00}. What a ridiculous joke. I want to autopay early, and I have a right to do so. Let me do it.

Furthermore, they are now listing suspense payments on my account. The Note I signed with my mortgage, along with my Closing Disclosure, say that suspense payments are not allowed with this loan. I should have no prepayment penalty and no suspense payments.

Third problem -- their app does not list whether they are going to pay my taxes on the due date of XX/XX/XXXX. They have no idea what I'm talking about when I mention this on the phone. This needs to be addressed.

I received the required service transferring notice more than 15 days after the actual service transferring took place, despite reaching out to make sure that the notice from my old servicer was real. The servicing transfer notice told me they would change my mortgagee clause for me, but that never happened.

I can not access documents on their app or website despite going paperless to avoid their unconscionable and illegal {$20.00} fee for electronic prepayments. I have no records of my payment history or escrow payouts. Their app doesn't list it, either.

I would like a different servicer. I am getting sick of these people and it's been less than a month. Someone ought to sue these people out of existence. The CFPB is apparently toothless! Do something about this, already! It was bad enough when they were Ocwen! Now they are engaging in the same behavior under a different name!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX  XXXX ( CCB/XXXX  ), has violated my rights. 

Under 15 USC 1681, Section 2, Section A1F, Under the accommodation clause, this late payment should be removed from my report as this was reported during covid-19. 

Under 15 USC 1681, section 602 states that I have the right to privacy. 

Under 15 USC 1681, section 604 A, section 2, a consumer reporting agency can not furnish my account without my written instruction. 

Under 15 USC 1666 B states, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/XXXX I made a payment to my credit card company XXXX XXXX XXXX XXXX XXXX. I had a balancer of {$480.00} and paid it off. The payment reflected on my account on the same day and my XXXX XXXX  account was debited. I looked to payment on the XXXX XXXX XXXX and it was cleared and my account balance was XXXX. 

XXXX XXXX XXXX  updated all of my information on the app. Recently I checked my Credit report and found out that XXXX XXXX was reporting my account as active in XX/XX/XXXX ; and not only that, the report says I am owing {$1000.00} with a credit limit of {$1200.00}. 
First and foremost, my initial credit limit with XXXX XXXX  was {$1100.00} and I have paid off all my debt with them. 

I called the customer support center and was attended to on the XXXX of XXXX and I informed them of the recent development, the representative confirmed that I paid off XXXX account and we told him it was never updated since XXXX of XXXX. He took some seconds off came back and said that my payment was reversed. 

THAT INFORMATION IS FALSE! 
I went back to check by bank statement since XX/XX/XXXX the amount was deducted and was never reversed. XXXX XXXX XXXX is reporting a false credit report and also telling lies about my payment. I have evidence of my payment made since XXXX and till this date my account states {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to Transunion letters from the Bankruptcy Courts in the District of Minnesota and Western District of Wisconsin showing that they had no bankruptcy records under my name, SSN and DOB. Transunion claims that it verified both records as belonging to me. I then contacted the courts once again to figure out the discrepancy and the clerks from both courts stated that they do not communicate with consumer reporting agencies. I requested Transunion to provide me with contact information of the individual who verified the records especially when I have submitted letters directly from the courts. Transunion has been unable to provide me with the information requested. Transunion continues to violate the FCRA by reporting the bankruptcy records when the court records show that there are such no records
Product: Debt collection

This account was fraudulently opened without my knowledge or disclosure. Please remove this from my credit report. I have disputed on XXXX, XXXX and XXXX. I dont want this to follow me around for the rest of my life.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

After applying I can not get an answer from Apple or Goldman Sachs about what further information they are requesting. Representatives from both sides are unable to provide information that they request of me so that I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX shows multiple lates which a direct violation of FCRA USC 15 USC 1681b permissable purpose of a consumer report
Product: Credit card or prepaid card

Dear Sir or Madam : On XX/XX/2023, I was shocked to discover that a fictitious named person had unlawfully used my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code ; in order to make a fraudulent purchase from XXXX XXXX web application in the amount of {$3.00} without my lawful authorization. See Exhibit A. 

Please keep in mind, I have rarely used my Fifth Third Bank, XXXX XXXX XXXX business debit card to make any personal purchases, so I was perplexed, as to how this fictitious named person had obtained my Fifth Third Bank, XXXX XXXX XXXX business debit card detail information. After, I had carefully analyzed my fraudulent activity from the fictitious named person onto my Fifth Third Bank, XXXX XXXX XXXX business debit card, and I have determined two possible scenarios, as to how the fictitious named person had made this XXXX XXXX fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card have occurred either : 1. An employee at the United State Postal Service ( USPS ) jurisdictional facility had intentionally, unlawfully, knowingly, and willfully opened my Fifth Third Bank, XXXX XXXX XXXX business debit card envelope then wrote down my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code information, and the USPS employee had resealed it with a difference envelope before delivery it to my residential address ; in order to caused fraudulent activity onto my Fifth Third Bank, XXXX XXXX XXXX business debit card for fraudulent use at a later date such as, XX/XX/2023 ; or XXXX. An assailant had unlawfully trespassed against me while I was asleep, and gone into my XXXX XXXX XXXX, and the assailant had unlawfully accessed my personal wallet ; in order to obtain my Fifth Third Bank, XXXX XXXX XXXX business debit card numbers and secure security code for fraudulent use dated on XX/XX/2023. 

However, I had taken immediate action by way of contacting my Fifth Third Banks customer service representative straight away and I had cancelled my Fifth Third Bank, XXXX XXXX XXXX business debit card and I have disputed the XXXX XXXX transactional charges in the amount of {$3.00} made by the fictitious name person before any more damage could be done. When I became aware of the fraudulent charge made by the fictitious named person against my Fifth Third Bank, XXXX XXXX XXXX business debit card without my lawful authority. It is extremely unsettling and unnerving to know that the fictitious named person had my Fifth Third Bank, XXXX XXXX XXXX business debit card details information for such a long period of time and used it to commit fraud. 

I trust Fifth Third Bank will take the necessary action to investigate how my Fifth Third Bank, XXXX XXXX XXXX business debit card was unlawfully accessed by a fictitious named person. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to correct this error since the beginning of XX/XX/2024 with an occurring late payment and inaccurate information on my credit report the said companies EXPERIAN And XXXX have been violating my rights under the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent inquiry from Wells Fargo Bank is showing on my XXXX Credit Report. The inquiry is dated XX/XX/2021 Wells Fargo have provided me with a letter they will remove the inquiry but XXXX have not deleted the inquiry from my credit file.I would like this inquiry removed asap
Product: Debt collection

I have never done business with this company what so every. I do not have any document or contract with my signature on them. This account just showed up on my credit report out the blue and know one from the company have never called, email, or sent a letter to me. Also I am an XXXX XXXX Military they should be verifying my information before doing anything without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts reporting on my credit report that I have never applied for.

One from XXXX and one from Discover. I NEVER applied for either account. And neither account is assigned to an address I have lived at in the past.
Product: Debt collection

I received a phone call on XX/XX/XXXX at XXXX from XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) requesting a call back which I did at XXXX. 

I was told they were representing Wells Fargo and attempting to collect a debt from XXXX. The rep explained that Wells Fargo added overdrafts, fees, and interest after the account was closed. The rep confirmed our home address and stated that paperwork was sent, and the call was nothing more than a courtesy. 

The rep didnt provide any proof of the debt and stated numerous times that if I didnt pay in full today there would be consequences as follows : 1. Lawsuit 2. Guilty of fraud 3. Garnish wages 4. Property lien 5. Report us to XXXX XXXX 6. Loss of bank services from my current bank 7. Bank checks and cards will no longer work 8. Inability to get a new credit 9. Credit score will be terrible I felt threatened, extorted, and had no option but to pay this to avoid all these actions despite not being aware of this debt or receiving any notice by mail or otherwise. My wife and I are very diligent about paying bills and opening all our mail. Had we received mail we would have contacted them immediately. 

Fearful of repercussions I paid the full amount of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX CO XXXX