23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a problem with my PayPal account that they limited my account due to suspicious activity. I called PayPal they said the suspicious activity was when I did a balance transfer from XX/XX/XXXX to my bank account which is on file on my PayPal account which cause a limited access to my PayPal account. PayPal did not send an email regarding to this restriction till XX/XX/XXXX which I initially called due to the limited access. PayPal wants me to submit a photo copy of my I.D . and proof of address to verify that I am the account holder which I told them I refused to sent due to privacy concerns and that PayPal is not a financial institution that having me submit that information PayPal will retain that information. They refused to rid of the limitations until I submit my I.D . and proof of address.
Product: Credit card or prepaid card

XX/XX/2022 someone opened a credit card with wells fargo bank using my information ( assuming my XXXX XXXX ) Wells Fargo cancel card and listed as fraud I locked and froze my credit. 

I do not know the address fraudulent card was mail to Wells Fargo would not tell me mailing address or email address that was used
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account in question was charged off in XX/XX/2021. Despite this, the account has been updated as a charge-off every month since then, which is incorrect. A charged-off account should not include an active payment history. This inaccurate reporting not only misrepresents the account 's status but also improperly influences the statute of limitations. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to accurate credit reporting and have the right to dispute any information that I believe is incorrect.. Furthermore, the account 's persistent active payment history contradicts the nature of a charge-off, which should not reflect such activity. Furthermore, XXXX XXXX XXXX has failed to issue me an IRS Form 1099-C, despite my repeated requests. XXXX XXXX XXXX mentioned There was an absence of my 1099 because i did not have enough Funds in My account to earn interest so there wasnt a 1099. However regardless of whether there was sufficient funds in the account to earn interest, Under Internal Revenue Code ( IRC ) Section 6050P, creditors are required to file a Form 1099-C when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy of the reporting and whether this debt has been properly managed in accordance with federal guidelines. I have recently contacted XXXX regarding this matter, and they promptly corrected the inaccuracies in my credit report ( see attached documentation ). I am hopeful that Experian will take similar action to rectify this issue and ensure that all items on my report are accurately and fairly reported under FCRA regulations.
Product: Money transfer, virtual currency, or money service

Hi sir Afternoon I am XXXX XXXX XXXX. 

I have downloaded the Coinbase app from XXXX XXXX and have invested {$100.00} ( XXXX  ) into the cryptocurrency. 

Been dropping to their support email for couple of times and no response from them. I just want to get my money back. 

I have email to Coinbase Email for past weeks and till no reply. 

We really appreciate if you can look into this email urgently. As not only me affects, got quite a huge number of people.
Product: Credit reporting or other personal consumer reports

My identity has been stolen. I am not familiar with the accounts that are showing on my report. I recently received a copy of my report and noticed their were fraudulent accounts reporting. At this time, I am not aware of who's responsible for these fraudulent accounts but it needs to be erased from my report it is affecting in a horrible way.
Product: Credit reporting

I recently did a chapter XXXX and the other credit company XXXX my information that was filed but Equifax removed some then put backon there saying that filed it as being placed under my chapter XXXX come to find outshe did it a Satisfied Judgement not she said after 90 days no changed in my sscore hopefully it will. Then told me I had to join Equifax to get the realscore not a third party. Never Heard such mess. Hopefully they will fix becausemy discharge is up but still have thing that was disputed open?
Product: Money transfer, virtual currency, or money service

I was a victim of fraud and scam scheme where I was deceived and lost {$500.00} via XXXX XXXXy Cash Person-to-Person. Once the transaction occurred the fraudulent merchant blocked me and no further communication could be made with the merchant. Immediately once the transaction was posted to my checking account, I filed a dispute with Wells Fargo. Wells Fargo denied my claim stating that the transaction is not fraudulent and upon calling the claims department to obtain more information, I was told that their definition of fraudulent does not match the dictionary definition and does not cover deception or scams. As a result Wells Fargo is not willing to help me with this fraudulent transaction.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 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 statutes. 

LVNV FUNDING LLC XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX XXXX. XXXX section XXXX, XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. XXXX XXXX XXXX XXXX XXXX XXXX  have published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$690.00}, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/2022
Product: Mortgage

Subject : Formal Complaint Against Freedom Mortgage Concerning Escrow Funds and Prolonged Home Repairs To Whom It May Concern, I am writing to formally lodge a complaint against Freedom Mortgage concerning their failure to adequately review and process documents provided for the release of escrow funds needed for critical home repairs. I am a XXXX XXXX XXXX XXXX XXXX XXXX, and my home, which was secured by a VA loan , sustained significant water damage in XX/XX/2023. Since that time, I have been unable to use my master bedroom and bathroom, which is causing considerable hardship. 

Over the past year and a half, I have submitted numerous documents to Freedom Mortgage in an effort to secure the release of the necessary funds from my escrow account to address the extensive repairs required. Unfortunately, despite my diligence, Freedom Mortgage has consistently failed to review these documents in a timely manner and has provided conflicting information regarding the requirements for fund disbursement. 

Specifically, I have been instructed by Freedom Mortgage to provide an itemized shopping list for {$75000.00} worth of repairs and was told to place items in an online shopping cart from retailers such as XXXX or XXXX XXXX. This request is not only unreasonable but also serves to further complicate and delay the repair process, preventing me from restoring my home to a livable condition. 

As a result of these unnecessary and burdensome requirements, I have now been without a functioning master bedroom and bathroom for nearly two years. This ongoing delay is causing significant emotional and physical distress, exacerbated by my status as a XXXX Veteran. 

I request the CFPB 's intervention to ensure that Freedom Mortgage promptly releases the necessary funds from my escrow account so that repairs can be completed without further delay. I also ask that they provide clear, consistent, and reasonable guidelines for the documentation required for such disbursements in the future. 

Thank you for your attention to this matter. I am hopeful that with your assistance, this issue can be resolved swiftly and fairly. 

Finally, I hired an attorney to provide additional assistance in this matter. 

Sincerely,
Product: Checking or savings account

Did an online transfer from external bank account XXXX XX/XX/XXXX. Accounts showing in account but not available for use until XXXX XX/XX/XXXX. Called customer service at Discover and they stated it for security that it takes XXXX business days for funds to clear which is excessive. No other financial institutions function this way. This is excessive and an inconvenience if you have to pay bills. Talked to a supervisor and she stated that it takes XXXX  days to clear funds.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to Equifax, requesting that they update this account. However, they have consistently ignored these requests, blatantly disregarding the laws in place. This account has been paid in full for over a year and has no late payments, yet they continue to report inaccurately. This is not in line with the requirement for maximum accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a credit score from Trans Union and was led to putting in information including Name DOB last 4 of social and credit card then I did not click anything and tried returning to the site using the user name and password The user name and password worked fine but I was denied access as they said they do not recognize me. I took pictures of the denied access. I then went to the credit card site that I input on Trans Union and saw not {$1.00} but an attempt to collect {$26.00} by TU : Transunion This apparently is some subsidiary of Trans Union that sells a subscription service. The website said that one can cancel at any time However by denied access to information one is unable to cancel. They texted me a code which I clearly suspected was weird as there was no company attached to the code ... I have saved that text as well. I contacted my credit card company to dispute the charge and as TU Transunion has not taken the money as yet ( It appears as pending ) I did file against the charge. All of this within an hour of inputting my info. I was informed by my credit card company that they have seen this before and to be aware that Trans Union may use a different name other than TU : Transunion to attempt to collect a monthly amount. They have seen several complain about this. Being denied access to the site is fishy to begin with I am able to sign in so why is this not secured? It is without a doubt a scam and Trans Union needs to be stopped I have read about the thousands of complaints online Trans Union being number one. They lead you to believe you are getting information for free then charge your credit card. That they get away with this is FRAUD and that CFPB can not stop them is odd. Hopefully enough complaints will come through to put a stop to this. My suggestion is that all credit card companies be forced to submit any complaints where fraudulent charges are filed. A database for complaints would allow bots to show how many are against specific companies. The ones that get complained about the most will go to the top of the list and can then easily be investigated. This should become law to protect consumers. Shared information from credit card companies should be mandatory especially complaints filed. Keeping this secret only hurts consumers. Also the email published by Transunion for customer service is bogus mail can not be sent there I copied from my phone and attached I also copied the denial to access of their site
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that I am not aware of keeps showing on my credit report. Synchrony Bank XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. Synchrony claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX Visa account with Synchrony Bank. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. Synchrony is reporting this along with XXXX  Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.
Product: Credit reporting or other personal consumer reports

The following info is the result of past and ongoing ID THEFT issues. 
Please remove and or block Immediately upon receipt of this letter. 
Per the FCRA if the disputed info can not be confirmed or proof provided to me that I supposedly opened these accounts and made these inquires then they have to be removed! The info is FRAUD and I demand that the following be removed! EQUIFAX ACTS AS IF IM LIEING ABOUT THIS FRAUD AND WILL NOT PROVIDE ANY PROOF OF ANYTHING. EVERYTIME I REACH OUT TO THEM VIA PHONE I GET SOMEONE IN A CALL CENTER OVERSEAS WHO SPEAKS BROKEN ENGLISH AND REFUSES TO HELP ME AND BASICLY ACCUSES ME OF LIEING! WHY CANT EQUIFAX TAKE FRAUD SERIOUSLY? 
XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

I am writing to formally dispute the recent closure of my business account with Fifth Third Bank, which was without notice and without any stated reason or justification.This sudden action has not only disrupted my business operation but has caused substantial financial hardship and reputational damage. 

As a business account holder good standing, I have consistently complied with all applicable banking regulation and requirement, as well as Fifth Third 's account terms and condition.I was given no indication that my account was at risk of closure due to any of non-compliance, nor I was given an opportunity to rectify any alleged issues that may have contributed to this decision.

Therefore, I respectfully request ; A full written explanation detailing the reasons for the account closure.
Product: Mortgage

We called on XXXX to PHH Mortgage company as we all bunker down and brace for this Virus to rid itself from our Nation. Loan # XXXX One of Floridians biggest bill is our mortgage and we pay our bill every month. 
Hard working Floridians have lost major income. They sent me a letter of " Temporary Hardship Forbearance Plan Offer, which I don't have to pay anything for 3 months and then on XXXX, I have to pay a lump sum of {$6500.00} We are losing income as our hours are cut and that means a lot of items need to be put on the back burner.That is not help. If, I cant pay now because my work hours have dropped considerable, what makes them think I would be able to pay the 3 months in one shot? 
So, when I reached out, again, to my mortgage company, PHH Mortgage, I reached out by phone, email, by US postal service and by fax, no one answers, no representatives are available, no customer service, please call later the machine says but I keep calling to see, if they can place, at least 3 months to the back end of the mortgage. We are not asking for a freebie just to help out in this time of National Emergency. Modification with forbearance is called.
Product: Money transfer, virtual currency, or money service

express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.

I have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.

Under the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations.

I kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA.

Notification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me.

Compliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes.

If I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA.

Please consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>