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

My PayPal account ( XXXX ) was Parmanently limited yesterday with my money. PayPal had asked me to provide documents to prove that the account is mine. I submitted the documents that they requested. After some few minutes they Parmanently limited my account claiming I have been engaged in risky activity which is not true. I had used my account only twice to receive money from my friends. I can't understand why they messed me up and give me very petty reasons. The account is mine and the documents submitted are mine and I can prove that at any time.
Product: Money transfer, virtual currency, or money service

Im filing this complaint against Block Inc. ( Cash App ) due to unfair practices as well as inadequate customer service, which violates the Consumer Financial Protection Act ( CFPA ). Cash App took failed to provide take timely effective measures in order to address and prevent fraudulent transactions on their platform which left multiple accounts unprotected and vulnerable.

In addition, their approach on any dispute resolution process was deceptive and unfair. In fact, Block Inc. didnt comply with any error resolution requirements stated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. In result, these actions have caused significant inconvenience and financial loss that hopefully will be rectified due to these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I was given an exception hold for 12 days at bank teller in branch at no Morgan chase. No reason for hold and no funds available at all for those days not even a dollar. 

It is against regulations to do this especially without giving a reason for said hold. Check was under XXXX and from XXXX XXXX taking only three days to clear.
Product: Debt collection

Re : Proof of Claim filed in US Bankruptcy Court-XXXX XXXX XXXX XXXX No : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Debt collection

I have sent 2 certified letters to XXXX, XXXX and XXXX XX/XX/23 and XX/XX/23 requesting proof of my wet signature on my appointments. I know that the hospital had sent a request for payment to my insurance for at least 1 appointment that I had never seen that provider before. They are also trying to bill me for bills on my deceased daughter that was double insured. I made an appointment for XXXX at XXXX XXXX XXXX XXXX to serve me and he never showed up. This was after he contacted my HR to find out how to serve me and now he has contacted my HR again and has not reached out to me for months. I work for this hospital and know for sure that they are not even billing the patients they are just sending them to collections ( I have been told that by billers in our organization ). I have not gotten any bills from XXXX XXXX. I have been insured the whole time working for them and want proof that they are not trying to collect on something that was paid for by insurance. I have had hundreads patients complain to me about the harassment by this Credit Collection agency and XXXX XXXX not billing properly or getting paid by the patients insurance then they are asked to to be paid on top of that. i have applied 2 times for financial assistance and never received anything back from the hospital other than an email on my work email confirming the second attempt to get help. I also have not been given proof that any of these bills are not bills that my attorney has paid for from an car accident I was involved in. What they are doing to patients is discussing. XXXX XXXX XXXX XXXX thinks they can get away with harassing patients because it's Montana and patients don't know any better. I have also gotten a divorce and have no proof that what they are trying to collect on is not my ex husbands responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX ( now XXXX XXXX  ) took over the loan ( from XXXX XXXX they would not accept XXXX forbearance agreement. Even though this was provided to them and multiple conversations occurred. XXXX went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a school housing at XXXX XXXX XXXX XXXX XXXX, before the school year even started. im talking months. I sent the housing and the school a withdraw letter signed & dated on why i cant further my education with them this semester, i never signed a lease i never ever consented the apartments to charge me for the months that i didnt attend. Because i let them know i wasnt gon na attend. I never sent them signed documents saying i was going to stay at these housing apartments and after many times of them trying to get me to sign i told them over and over that i would not be attending the school so i dont need to sign. I have proof of them sending the lease through email and me NEVER opening them. More then 5 times. I check my score today & & some how it got sent to collections on a XXXX dollar payment that i never agreed to pay or never made a single payment towards and never signed the lease, i filed a dispute and got rejected for an apartment I NEVER stepped foot in. I dont wan na take this bigger then lawyers & & attorneys but i need further assistance on this terribly wrong error, but something needs to be fixed because that is fraud for charging someone for an apartment they never signed a lease for. 
XXXX XXXX
Product: Debt collection

My original debt was to XXXX XXXX bank. My credit report shows LVNV funding as the debt holder now. When I call I'm told the company is named resurgence collections. Resurgence will not tell me anything without me giving them my social security number. I refuse to give it to them and they will not allow me to get any info or pay off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX
Product: Debt collection

My complaint is with NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.
Product: Credit card or prepaid card

I have an existing complaint with the CFPB concerning this bank. Evidently because I had filed a complaint, the bank has now stopped my use of using the card, and will not fix the problem. Surely this type of vengeance can not be legal in any way.
Product: Debt collection

Debt totaling {$1600.00} was paid on XX/XX/2020 to the collections company Arstrat ( Phone Number : XXXX ) on behalf of XXXX XXXX XXXX. Amount was paid and deleted off of credit history and now ( XX/XX/2020 ) the debt has been placed back on my credit after already being paid and deleted.
Product: Student loan

My loan is now more than it was when I first went to school more than 10 years ago. Navient charged me outrageous amounts of interest when I could not afford to make the very high payments. If I could have paid more of the principal and not interest I would n't have such a high loan amount.
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. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 an 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 or 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: Debt collection

Navy Federal Credit Union has been opperating illegally and wrongfully reporting information on my credit report with all three bureaus for over 5 years. I recently submitted disputes via XXXX, XXXX, and XXXX and in a effort to cover up they're wrong doing they updated my past dues of {$8800.00}, {$9700.00}, {$19000.00}. I never received a XXXX for any of those accounts to be current with the IRS. In an attempt to retrieve the XXXX they refused to send me the XXXX and informed me that they can not do that. This level of mistreatment, malpractice, and unfairness have costed me years of missery, ability to provide, and restraint from being in a better place financially. All of my accounts across all bureaus have been updated to reflect in favor of Navy Fedral Credit Union. I am being medically evaluated for permanent mental conditions due to overwhelming anxiety, XXXX for years of financial stress along other mental ailments that I incurred during my combat XXXX to XXXX. Navy Federal have deprived me of the ability to become financially sound and I am afraid that I will not be able to provide for my family due to an overwhelming amout of charged-off accounts I couldn't report due to the XXXX being deprived from me for years.
Product: Vehicle loan or lease

My car was recently repoed, and after looking at my contract I realized there are a lot of hidden fees that I was not told about. I was told a certain number at the dealership and after reading my contract I realized they lied.
Product: Vehicle loan or lease

I entered, in good faith, into a consumer credit transaction with BMW Financial services on XX/XX/XXXX. During this transaction, I was asked for my credit card ( social security card ) pursuant to 15 USC 1602 ( l ) to fund this transaction, as under 12 USC 1431 banks are strictly borrowers, and I the consume under 15 USC 1602 ( f ) am the original creditor. I was told in an unlawful adverse action letter that due to their internal standards I had been denied credit. Under 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) internal standards are not sufficient to deny me of my right. The ECOA strictly prohibits the type of adverse action that can be taken under 15 USC 1691c, and mentions nothing about internal standards, low income, too few accounts or how long I have had my credit. BMW Financial services unlawfully discriminated against me, as under the ECOA they can not discriminate against an applicant who has applied in good faith, or exercised any rights in good faith. This constitutes as unauthorized use of my credit card under 15 USC 1602 ( p ) and i wish to be compensated for my damages by either granting me my extension of credit to purchase the XXXXXXXX XXXX that I applied for, or a car of like grade and quality. Under 15 USC 1611, 1691, and 1691e they can be held labially civilly and criminally for breaking the law and discriminating against me the consumer and applicant. I will also be mailing off my concern to the proper department at BMW Financial services, I have attached a copy that will be going out on XX/XX/XXXX and should arrive 5 days after.
Product: Mortgage

I am currently under a Covid Plan with my mortgage. I made 5 {$1000.00} and 1 {$500.00} payment. I was informed the payments would be applied towards my mortgage payment and the rest to a suspense balance. This hasnt been the case, they have applied them to late fees and elsewhere. I have contacted them over 20x and I keep getting the run around that theyll correct the payments. I lost my job and have been dealing with unemployment delays and my household was impacted by the virus itself. Please help! And my monthly payments are around {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Product: Debt collection

Got my tooth XXXX paid cash the receptionist messed up some how and sent a bill to collections. I called several times and was spoken to like a criminal as if I have done something wrong. I'm not paying something I already paid in 2018 .this needs to go away. I called the dentist. They don't even remember my visit.
Product: Credit card or prepaid card

I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.
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 submitted a letter to Transunion on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has sent Transunion credit reporting agency information that my account is not closed. My account is open and has 11 months of on-time payments. XXXX XXXX updated Transunion on XX/XX/XXXX, XXXX.. Transunion has not updated my credit report. Therefore, my credit score is in jeopardy and has decreased astronomically.. If Transunion does not update my records soon, I will have no other choice but to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and XXXX at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to request your assistance with an ongoing issue I am experiencing regarding inaccurate information reported by TransUnion on my XXXXXXXX XXXX XXXX 

I have been in contact with XXXX XXXX XXXX regarding an account I had with them. During a phone conversation on XX/XX/XXXX, they confirmed that this account was never reported as charged off, Its reported as current. However, I am concerned that TransUnion is inaccurately reflecting this account as charged off. 

As you may know, a charge-off occurs when an account is XXXX days past due. In this case, I settled the account on XX/XX/XXXX, and XXXX XXXX XXXX received the payment on XX/XX/XXXX. Furthermore, if you review the payment history, you will find that there are no late payments associated with this account. 

Given these circumstances, I am formally requesting that this account be removed from my credit report immediately, as it violates the Fair Credit Reporting Act ( FCRA ). I will be uploading all relevant documentation supporting my claim for your review. 

Thank you for your attention to this matter. I appreciate your support and look forward to your response. 

Sincerely,
Product: Checking or savings account

Hello, I woke up this morning to see if my direct deposit had made it into my Chime bank account. Last night, I noticed {$.00} was removed, thought it was strange but just hoped to wake up to my paycheck being direct deposited this morning on XX/XX/2022. 

I find out my account has been closed and I thought it was a glitch so I tried several times. No, my account was closed involuntarily and now I have to try to track down where my paycheck is and even contact my employer. My paycheck was supposed to be : {$330.00}. 

Please. I need help.