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

I operate an account for a nonprofit that helps fight veteran XXXX and suicide on PayPal. On XX/XX/2021 we received a donation from an individual who had conducted a legal raffle of a custom-made duck call. He conducted this raffle on his own, he's unaffiliated with our organization, and he did not use PayPal to conduct the raffle. He simply donated the proceeds to our organization to help in the fight against veteran XXXX and XXXX  and to signify who the donation was received from he put " duck call raffle '' in the comments on the donation. 

Out of the blue on XX/XX/2021 we received a notification that we were no longer allowed to use PayPal services because a " review '' had determined we had " violated the user agreement. '' It further stated that we were not allowed to access our funds, remove our funds, or transfer our funds until they decided to contact us in 180 days. I was confused and disheartened as we had not done anything to warrant this, and now our team was stuck without all the money we worked hard to raise for our cause for the next 180 days without anyone even offering us an explanation. 

I quickly learned that the system had flagged the word " raffle '' in the comments on that individual 's donation and that's what led to the ban. I figured this would be easy to explain and remedie, but boy was I wrong. I tried calling several times, yet no matter what time of day it was or what day it was I received " no agents available, call back during business hours '' messages. I tried virtual communication through their chat service and got nothing but " no agents available, try back during business hours '' messages. I tried sending emails, and got no reply. Finally I tried contacting customer service through my personal account and quickly reached someone. 

I went through dozens of representatives who gave me the gamut of directing me to the FAQ page to telling me that I had to contact them using the affected account. One agent even called me and allowed me to explain, said that she understood, and that my account would be unlocked in 48-72 hours. Yet, a week later, still locked. I have tried and tried and tried but PayPal refuses to give any avenues for remediation of the supposed violation of their user agreement, they've illegally seized all of the money our organization had raised, and expect us to operate without it for 180 days. Furthermore, their very own message says that we can refund the transactions, yet if you try it says that it can't be done. They've effectively just stolen our money. 

After a short investigation, I've found dozens of other people who have been victimized by this company in the same fashion. PLEASE don't let them get away with this!
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Block : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer the information was not submitted in error the information is not submitted on the basis of a material misrepresentation of fact by myself relevant to the request to block I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Student loan

On XX/XX/XXXX, written correspondence was mailed to Navient Solutions , Inc. in order to establish a request to lower the monthly payment under the account in question ( see file ). The contents of this letter signify the client 's inability to proceed with the current monthly payment of {$340.00} due to financial hardship and loss of income, effective as of XX/XX/XXXX. 

Further specification requested that Navient Solutions , Inc. respond with written correspondence within 30 days of the letter 's date of receipt. However, no response has been carried out by Navient Solutions , Inc. as of XX/XX/XXXX ( Note : including all forms of communication as per a business-clientele relationship ). Failure to respond within the allotted time frame has resulted in an unresolved financial issue, officially pending as of the date of this entry and until Navient Solutions , Inc. has complied with the written correspondence.
Product: Checking or savings account

I went into the bank branch to talk to a XXXX in XXXX XXXX, I informed him that I just got a job and that I will be doing direct deposit in to the account that was over drafted, my first deposit was XXXX XXXX 2017. I was paying toward my negative balance they closed my account in the process without informing me when I came into the branch, that it will close if I did n't make the full amount. I talked to them over the phone and they said it was closed because I did n't pay the full amount and that the computers do n't know when someone is making payments toward it so it still will close. I went into the branch on X/X/2017 to open another account they told me it 's now being reported to the three credit bureaus and I do n't understand how if I was paying towards it and they are the ones that closed my account.
Product: Mortgage

I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. For over 5 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team and they just said " we sent you a check '' but no check received. I was asked to talk with XXXX XXXX ( Office of the customer ). the Phone number provided ( XXXX XXXX Ext XXXX ) most of the time get a message to call during regular office hours ( which are the ones I have been calling ). The extension number provided ( XXXX ) is invalid. For couple of times left a message to be contacted back however no one is calling. 
In my view, a financial institution loosing the money is against any financial regulations. The account number is XXXX my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 inquiry 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 ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXXXXXX XXXX Date of inquiry : XX/XX/scrub>XXXX Bureau : Experian.
Product: Debt collection

I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as touvE transactions or experiences between the consumer and the person making the report ; 120 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX ] XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : COMPLAINT FOR INJUNCTIVE RELIEF, REDRESS, DISGORGEMENT, AND CIVIL MONEY PENALTIES ACTION SEEKING RELIEF Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, The Consumer XXXX XXXX XXXX XXXX brings this action against Experian Information Solutions , Inc. ( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565.

Specifically, I am concerned about several accounts that have been inaccurately reported, despite my attempts to resolve these issues in accordance with the FCRAs dispute resolution process. In particular, the Company has failed to properly investigate and verify the accuracy of certain accounts, and they have continued to include these accounts on my credit report without substantiated proof of their validity. 

I am aware of the recent legal action involving Experian, in which the company was sued for allegedly failing to properly investigate disputes and validating accounts without sufficient evidence. This behavior, as evidenced in the lawsuit, demonstrates a systemic failure to adhere to the FCRAs requirements for accurate and fair credit reporting. 

I respectfully request the immediate removal of the following accounts or inquires from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These items have caused significant harm to my credit standing and have had a detrimental effect on my financial well-being. I ask that you conduct a thorough investigation into these matters, in compliance with the FCRA, CFPA, and take appropriate corrective actions, including the removal of these inaccurate and misleading accounts from my credit report.

I would also like to request a written response acknowledging the actions taken in this matter, and a corrected copy of my credit report once the investigation and resolution are complete.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I sent dispute letters XX/XX/2024 and XX/XX/2024 and both my dispute letters were ignored. 


Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated an account opening with Popular XXXX for an Ultimate Savings on XX/XX/2019. Today, XX/XX/2019, an account closing was initiated by said company. I noticed what was done when checking my account online. I then called Popular XXXX to find out what was going on. According to a customer service representative spoken to on the phone, the account was closed due to suspicious activity. No further details or explanations could be given on the case because not enough information was available to the representative. The company failed to inform me of their actions and completely disregarded me as a customer. Also, Popular XXXX failed to contact me to report the suspicious activity. The company then charged a whopping 25 dollar closing fee. This company is clearly using shady business practices to open accounts for new customers, promising them high-interest rates, to then close them days later for their benefit, and charge heinous fees in the process. These actions are completely unfair and should really be taken into account when trying to provide good customer service. I did not commence the account closing and should not have to pay or be charged a fee for actions on behalf of the company. It is completely ludicrous and shows a level of high disregard for customers hard-earned money. I am now 25 dollars short for something I had nothing to do with, and the company is 25 dollars richer. What is the fairness in this? Just another financial institution making false promises to fatten up their wallets. I am completely appalled by their actions and others trying to open accounts should be very wary when trying to do business with Popular XXXX.
Product: Mortgage

Initially, I submitted documentation to Caliber Home loans that there was no lien on the home from XXXX XXXX, because I had only received a notice in the mail regarding that XXXX collection agency. 
After going down to the courthouse, I learned that XXXX XXXX had a judgment on my home. The debt was paid on XXXX 2015. In XXXX 2015 Caliber received documentation that the debt was paid and there was no lien on my home. Caliber still denied the remodification due to a lien.
Product: Prepaid card

These Amex egift cards just don't work well. It is very hard to use them successfully and it's embarrassing trying to use them knowing that they often are declined. I tried using it at XXXX and it was declined today. They need to fix their product so it works like any Amex Credit Card.
Product: Debt collection

I have call this company many times most recently in XX/XX/2023 and XX/XX/2023. I let this company LVNV funding know again this is not my account. I have never had a XXXX XXXXXXXX credit card. I have asked for the original wet signature, copies of the bill and bill history on who paid the account. That way we can see who's checking account this was paid from. Ive never paid it because its fraud. They also said the account was only open for XXXX  months. Hello then that should tell you this was fraud. Check my credit I only have XXXX credit cards and they have been open for over XXXX  years. LVNV is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX  Account # XXXX DEPT OF ED / 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
Product: Debt collection

I had been paying original lender Lending Point a monthly agreement upon sometimes {$50.00} to $ XXXX.Then without true notice I was sent to it seems to be a collections called XXXX  or XXXX XXXX XXXX XXXX XXXX when searched online. They have been harassing myself wife and even extended family such as in laws since the beginning to middle of XX/XX/year> morning afternoon and night on this matter. Most times not even identifying themselves as it is a recorded message left for me or to my family. I've told them on numerous to stop contacting us. But they have proceeded to harass us for the last month. To my understanding per the fair credit reporting act they should not be able to do this. I feel that this collection should be removed from my account due to this treatment and the amount is inaccurate also. I would appreciate this be removed from my records from the reasons stated above and any questions feel free to reach out only to me no one else.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.
Product: Checking or savings account

We opened an account with JP Morgan Chase and at the time they withdraw {$2000.00} from our XXXX XXXX Account and we made a {$2000.00} XXXX from our XXXX account. They closed the account and they are holding the funds. They asked us to send a proof where the money came from and we did fax to them our statement and up to today they say they have no response yet.
Product: Debt collection

I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX  ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept Chase Morgan account! I ll never have had any Chase Morgan account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XXXX of XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. 

Your assistance and investigation of this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.