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

[ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Email Address ] [ Phone Number ] [ Date ] PayPal Customer Service [ Address ] [ City, State, ZIP ] Subject : Appeal for Assistance as an Identity Theft Victim and Unauthorized Access to PayPal Account Dear PayPal Customer Service, I hope this letter finds you well. I am writing to inform you of a XXXX incident that occurred on XX/XX/XXXX, where I became a victim of identity theft and subsequently suffered unauthorized access to my PayPal account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. There were cards added to my PayPal account that arent mines or affiliated with me and the perpetrator extracted all of my funds from my PayPal account. I am reaching out to PayPal, a trusted and reputable financial service provider, for assistance and resolution regarding the unauthorized activity on my account. 

I have reached out to PayPal Disputes Department Account Specialist Supervisor ; XXXX on XX/XX/XXXX and what he stated to me was a cause for concern. XXXX stated to me that PayPal did not and will not review my police report and identity theft affidavit and that my claim will remain denied and disconnected the call on me. Despite me being an identity theft victim. I am horrified that he would make such a statement and go against regulations and compliance. 

On the aforementioned date, I unfortunately lost my wallet, which contained various personal identification documents, along with my mobile device. This loss has left me vulnerable to potential fraudulent activities, and unfortunately, my PayPal account was accessed without my consent or authorization. As a result, funds were removed from my account without my knowledge or approval, causing significant financial loss and hardship. 

I immediately took the necessary steps to report the incident to the local authorities, as well as to other relevant financial institutions to mitigate any further damages. However, given the unauthorized access to my PayPal account and the subsequent unauthorized transactions, I believe it is crucial to bring this matter to PayPal 's attention and seek assistance in resolving the issue. 

As a loyal PayPal customer, I understand that your platform is designed with security measures in place to protect users from unauthorized access and fraudulent activities. I kindly request your immediate attention and action to investigate this incident thoroughly, identify the perpetrators involved, and take appropriate measures to secure my account. Furthermore, i request that any unauthorized transactions in the amount of {$4000.00} made on my account be refunded promptly to restore the funds that were wrongfully taken from my account. 

I have taken proactive measures to secure my other accounts and monitor my credit reports. However, the unauthorized access to my PayPal account has caused significant XXXX and financial hardship. I am relying on PayPal 's expertise and resources to assist me in resolving this matter,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XX/XX/XXXX  Court Name XXXX XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax customer service are unable to locate my file based on true and accurate information provided on my part. This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. Thank you.
Product: Credit reporting

I have filed dispute to Transunion but they do n't give me proper notice of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, submitting a new complaint due to a response received from JP Morgan Chase Bank with someone elses information uploaded to this account as a response towards a wrongful inquiry made on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with Ally Financial and XXXX
Product: Student loan

I am a store XXXX for XXXX, in CT. I attended XXXX XXXX for a few months. XXXX provides 100 % free education to their employees and a company named XXXX helps to get things registered. I went for a few classes and my district manager stated that I could not attend any more because my job needed more of my attention. So, I withdrew from the class, as directed by my supervisor. I spoke with the student advisors and explained what was going on and she removed me from the one class I was going to take. I was never sent a bill, told that I was supposed to pay for this. I applied for all the federal loans/forms as XXXX had asked me to. I do not know how XXXX and XXXX even pay for these classes for the employees. I should not have to pay because it was never for me to pay, it is XXXX who conducted the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I mailed a letter to stop billing and membership from Experian credit reporting services. 
XX/XX/2023 Experian debted my XXXX XXXX card. 
On XX/XX/XXXX, I called and spoke to a representative of Experian. My membership was canceled and I was issued a refund. The refund was said to come in 5 days it has been 7 days since the refund was said to be issued. 

I currently have a civil suit in progress against Experian for the neglect of my personal information that caused. 
CFPB Complaint : XXXX, XXXX XXXX has also been involved in the above-mentioned complaints.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) to be incorrect : 1. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


In compliance with the Fair Credit Reporting Act, I hereby insist on a thorough investigation into these items and their subsequent removal from my report. It is my understanding that you will verify these items with the relevant creditor. I kindly request that any unverifiable information be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. I would like to remind you that, as per the act, there should be no fee associated with obtaining this updated report. Additionally, I request that you notify any party who has received my credit report in the past six months of any corrections made. 

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. Experian Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. Experian Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also Experian Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting student loan history. When I signed up for a student loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.

I've talked with a representative from Experian Fraud Department multiple times, I informed the agent that my name is XXXX XXXX XXXX, and he was supposed to correct that, I also openly disputed all the items on my credit report on a recorded line, I'm pretty sure Experian Credit Bureau has this recording and can produce it if asked, I've also provided Experian Credit Bureau with an FTC Identity Theft Affidavit that clearly states I'm a victim of identity theft which employees of Experian Credit Bureau simply disregarded. The following accounts are inaccurate : XXXX XXXX Account number XXXX XXXX XXXX Account info Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX ( Discharged with a IRS 1099C Form ) Under 15 U.S. Code Sec 1681e I choose to be excluded from Experian Credit Bureau list , as well as the above creditors.
Product: Debt collection

None of the options best fit the description of my complaint. 

I was sued for a credit card debt with XXXX XXXX by Midland Credit Management XXXX Inc, ( MCM ). I paid the debt XXXX. I did not know that the letter of satisfaction was never filed with the court until I tried to close on the sale of my house in XXXX of XXXX. I reached out to MCM on XXXX  and on XX/XX/ they sent a notice of satisfaction to the wrong the court. ( Magisterial Court instead of the XXXX XXXX Court House ). Since then I, my attorney, and the XXXX XXXX Prothonotary 's office have reached out to MCM and the legal office ( specifically for Attorney XXXX XXXX ) multiple times to request the document be filed in the correct court with the correct docket number. As of today, they have not. The sale of my home is still pending, I could easily lose the buyer, and am beyond frustrated. Midland has been exceptionally difficult to deal with from my first encounter with them. I don't know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my credit report through the Experian website on XX/XX/XXXX, only to be repeatedly told that my report could not be found and that I needed to confirm the accuracy of my address. This seemed odd, as I was entering the correct information - the address I was inputting was literally on a credit report that Experian sent me less than two months prior. 

After struggling with the website and having no luck, I called Experian, and literally spent more than five hours trying to resolve the problem, constantly be shuttled in between the customer service and membership departments and being left on hold for eons. At least four different times, I was placed on hold to be transferred to someone, and then the line cut out. 

Of the course of talking to 10+ different people, I was alternately told that 1 ) everything looked fine and that there was just a problem with the website 2 ) that I had incorrectly answered security questions ( not true ) and that no changes could be made to my account for 72 hours and 3 ) that somehow my credit report no longer had any active addresses. With the latter option, this was apparently the result of me previously asking them to deactivate an incorrect variant of my correct address. Somewhat at Experian deactivated both the wrong variant of my address and the correct address, leaving me with no valid address in their system. 

Attempting to rectify this, I was told that I could go to experian.com/upload to submit documentation proving my identity and address, but that didn't work - I was repeatedly told " We're sorry. We were unable to honor your request. '' Apparently my only option is to literally mail in documentation proving my address and identity, despite the fact that the original error was committed by Experian. Even worse, I'm currently living abroad, which means that this will take weeks to resolve. I just want my credit report and Experian is making it impossible, and even worse they're making no effort to rectify their own errors, putting it back on me to clean up the mess that they made. 

This is an awful company, with horrendous customer service.
Product: Bank account or service

XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.
Product: Checking or savings account

On XX/XX/2022 I went to XXXX XXXX Wells Fargo on XXXX XXXX and attempted to withdraw money from a drive-thru ATM. The ATM machine door ( the part where you take the money from ) opened but no money was actually dispensed. I tried 2 more times at the same exact ATM machine but the same thing happened. I then went inside the branch to withdraw money. I used an ATM machine and the same thing happened. Finally I attempted one last time and it worked and I was able to withdraw {$50.00} dollars. Later that night I checked my banking account and saw that there was a {$700.00} dollars ATM withdrawl but I never received the money. I called my bank and filed a claim. The claim was rejected today. I believe that the ATM machine is at fault because the ATM door opened but no money was dispense and somehow I was charged {$700.00}. I also received multiple emails that stated my card was rejected due to incorrect PIN but that is not the case as I was able to operate the ATM machine just fine. At that time I believe this was a fraudulent as I received multiple emails and money did not disperse. I am looking to get my {$700.00} back.
Product: Credit card or prepaid card

I have a Capital One credit card. I started making payments via a different checking account. Since doing so, they ALWAYS place a 7-day hold on my payments and will not modify my available credit for 7-days. They say its for my protection but I think its descriminatory. I have been making larger than normal payments and according to a XXXX search that gives them pause. In my case it has happened three months in a row. There have been no returned payments and there is over {$30000.00} in available funds from the account I'm paying from. Capital One keeps telling me they " randomly '' do this, but they are lying. They have been consistently doing this.
Product: Prepaid card

I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion assumed I owed. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me. ( XXXX  XXXX ) ( XXXX XXXX ) I received Transunion response on XX/XX/XXXX, accounts came back verified, and inquires also came back verified without the requirements I requested. 

On XX/XX/XXXX I followed up with a dispute and required Transunion to provide verification of the amount of {$12000.00} from XXXX XXXX XXXX that Transunion claimed they verified. I also required Transunion to provide factual proof that the inquires on my consumer report were authorized by me again. ( XXXX XXXXXXXX ) ( XXXX XXXX ) I received a response on XX/XX/XXXX, but Transunion response failed to provide what I required once again. 

On XX/XX/XXXX I followed up with a no response letter to Transunion, that they shall delete the unverifiable and unconfirmed items on my consumer report. 

Transunion failed to provide information about the accounts disputed. Transunion failed to respond to any of my letters or request. 

On XX/XX/XXXX I mailed Transunion to make them aware of the non-compliance of laws they were violating. 

On XX/XX/XXXX I requested for investigative consumer report procedures. 

On XX/XX/XXXX Transunion failed to respond to what I required them to provide. 

On XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I also Required Transunion to comply with the Fair Credit reporting Act and Transunion failed to comply with Federal Law. 

Transunion Never had any permissible purposes Pursuant to 15 USC 1681b ( 2 ) to report any of this information that was on my report. Which means Identity Fraud.

Transunion are non-Compliant with the compliance procedures pursuant to 15 USC 1681e ( a ) ( b ).

Transunion violated 15 USC 1681n ( 1 ) ( A ) ( B ) Liability for willful noncompliance.

Transunion violated 15 USC 1681o ( a ) ( 1 ) for negligent noncompliance Transunion deleted the unverifiable and unconfirmed accounts and inquiries on XX/XX/XXXX, after a whole XXXX year of non-compliance, Unacceptable and life-threatening harm Transunion caused me and my family for almost a complete year. I've been unable to purchase a vehicle for my personal living mode, and that XXXX me and my family. I've been unable to use my credit because of these XXXX reports that violated me as a consumer and a natural person of the land.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> ProCollect INC. ( PCI ) sent in the mail a letter stating " PCI will request deletion of your Account from your credit report and reduce the balance by 50 % if a payment of {$320.00} is received by XX/XX/year>. '' Per the instructions on the item received, I paid the {$320.00} online at PCI 's website pcipaymentservices.com. On Thu, XX/XX/XXXX, XXXX, I received email confirmation that my payment had processed stating : Your payment of {$330.00} has been processed. Which was the amount of the {$320.00} and online payment fees. 

Despite processing the payment before the stated date, PCI has not requested credit deletion or deducted the payment from the amount. When disputed, no information has been provided. 

PCI 's failure to uphold their written agreement is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit file. I am a victim of a data breach, and the following items were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), you are required to take action to block and remove these items promptly. 
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX : XXXX. XXXX - XX/XX/XXXX
Product: Student loan

Loans in forbearance currently because I was no longer allowed to sign up for income based with my own information. They started requiring my husbands information which he was not ok with. Had to start making regular payments once that was a requirement. Recently had a baby and couldnt afford the higher payments so had to put in forbearance bc no other options available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently Active Duty Military, while permanent Changing station from XXXX XXXX, to XXXX XXXX, XXXX  I encountered an emergency with my dependent. I departed XXXX, XXXX in XX/XX/2016 and went on leave in transit to report to school in XXXX XXXX. While at school my Daughter and Son got  sick, called XXXX to see if we could take to local doctor to receive medical attention. XXXX approved the authorization for both children in XXXX, XXXX   where my family was staying while in school on official duty orders. When I reported to my permanent duty station in XXXX received bill from medical clinic in XXXX as past due. There was a lot of back and forth from the medical center and my insurance company XXXX, eventually out medical bills were covered and paid by our insurance company. Prior to being fully paid, the medical clinic that we had went to closed its offices and gave our past due account to credit bureau in XXXX, XXXX. Current status of bill was paid by my insurance company. Request to contact company to remove off my credit report.