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

tl ; dr : Instead of cancelling payments when a card is declined, Paypal is then defaulting to your bank account, even if it was not clear in the payment steps that would happen.

I'm not sure how to categorize this or whether this is a true complaint that would incur CFPB action, but here goes. I have been using Paypal for years with BANK ACCOUNT # XXXX for internet purchases. I recently received a debit card for BANK ACCOUNT # 2, which was not previously associated with my Paypal account. I started using Paypal 's Billpay service in late XX/XX/XXXX with this new debit card, after adding it to my Paypal account. I did a few test transactions and confirmed that Paypal was pulling from the debit card for payments. 

On XX/XX/XXXX, I initiated a {$3200.00} payment to my mortgage lender with my debit card via Paypal 's billpay service. Within the payment steps, I clearly selected the debit card and submitted. Since this was a new card, I didn't know the card had a daily spending limit, so the payment was declined - and here is the issue. Rather than the payment being cancelled due to the selected payment method being declined, Paypal proceeded to select BANK ACCOUNT # 1 as a payment method. Since I wasn't planning to use BANK ACCOUNT # 1 for this payment, I didn't have the funds in that account.

I spoke with Paypal and let them know that as a consumer, when you pay with a debit or credit in a retail store, if you're over the daily spending or total limit, your card gets declined and you are given the option to select another payment method or cancel the transaction altogether. This is not the case with Paypal. I was told that Paypal fronts the money to the bill payee regardless of whether your chosen payment method is accepted or not, and they then proceed to cycle through all of the bank accounts and debit cards associated with your account in order to debit the funds your used for billpay.

So my questions are, why are they sending the money to the payee BEFORE doing a POS-type balance check when you select a debit card as your bill payment method? Why are they proceeding with a bill payment when your selected debit payment method is declined? It is not clear to the consumer that this is happening, as they are selecting a single payment method. I can understand when doing a payment from a bank/ACH, as there is a delay in balance info there, but it should be clear from the outset that a debit card payment will be declined and then the transaction ends there. And They also offer zero help in trying to clawback funds from the payee ( I ended up paying my mortgage lender separately, not realizing the payee was actually paid despite my bank not having a sufficient balance, resulting in the payee being paid twice ) or cancelling repeated attempts at debiting funds from a bank account that has insufficient funds, resulting in multiple fees from the bank.
Product: Payday loan, title loan, personal loan, or advance loan

I paid my advance off and they charged me for the month fee for several main a row after I closed my bank acct and quit using them. Im not cancel my membership and turned me over to collections for having three or four late payments and saying that I owe over {$50.00} in an advance which I never received its all just their membership monthly fees. I told him to close the account. I lost my job and they just continue to charge me not using their service.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my credit report. I have provided the details for each inquiry below. These inquiries were not authorized by me, and I am requesting their removal from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Removal Date : XX/XX/XXXX - Business Type : Personal Loan Companies - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize any personal loan with OneMain on the above date. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not apply for or authorize a credit card with XXXX XXXX  on the above date. 

3. Experian XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Credit Bureaus - Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit inquiry with Experian XXXX XXXX. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Bank Credit Cards- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Phone Number : Not available - Dispute Reason : I did not apply for or authorize any credit card with XXXX XXXX XXXX on this date. 

5. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Business Type : Mortgage Reporters- Contact Info : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Phone Number : ( XXXX ) XXXX - Dispute Reason : I did not authorize any mortgage-related inquiries with XXXX XXXX XXXX XXXX 

These inquiries have had a negative impact on my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed if found to be unauthorized. 

Please notify me in writing of the results of your investigation and the actions taken. I have enclosed a copy of my credit report, along with proof of identity for your verification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Simply providing me with the policy number, policy dates and balanced owed is not adequate validation. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

60 days ago on XX/XX/XXXX disputed a XXXX account reporting on my Experian report that is not mines I have still yet to get any response from Experian. the FCRA States all credit agency have 30 days to respond to a dispute if not the account must be DELETED. I also sent a 30 day fail to comply letter 30 days ago and didn't get a response to that letter. At this point Experian has breaking all the rules and regulations set by the FCRA failing to respond.I DEMAND THAT THE XXXX ACCOUNT THATS NOT MINE BE REMOVED FROM MY CREDIT REPORT WITH IN 48 HOURS OR ILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST EXPERIAN
Product: Debt collection

Apparently, someone purchased vacations with my social security and name through " Uplift ''. Then I received mail stating that I had a debt to them. I researched the company and knew I never enquired with them. I thought it was fraudulent when I called the company and was scared to give them my social. Then " Uplift '' outsourced the debt to a consolidation company, named " XXXX XXXX '' which I also thought was fraudulent. 

Side note* My home computer was compromised about a year and a half ago and I had XXXX XXXX try to remove the hackers from accessing my information, which apparently did not work. 

I was afraid that these entities were not authentic, until XXXX XXXX  put collections onto my credit. I did not approve of my credit to be used or gave my social to anyone to use. I have great credit and now I'm dealing with this. This is not my debt to be owed.

Uplift should be looked into, for making it so easy for bad people to take vacations on someone else 's dime.
Product: Checking or savings account

I made a payment with my US Bank Debit card to my storage company Life storage for {$870.00} and the storage company said it did not receive the money but the bank has already debited my account. I then called my bank and my bank said it will revert after 5 working day.

For fear of late payment I made another payment to my storage for {$880.00}. and that was received. I also complained to my storage company about the first payment they provided me with account details and the payment for {$870.00} did not reflect. Its important to note that a similar incident has happened in the past with XXXX XXXX XXXXXXXX the payment bounced back the next day. 
For over one month US Bank has refused to credit my account with this amount {$870.00} and the keep charging me overdraft charges of {$36.00}. The issue now is the bank says the amount is with the storage company and the storage company say they dont have the money. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 cash app closed my account because too much money was sent. They are holding on to XXXX dollars. It tells me to cash out but they wont allow it. Theres no way of speaking to someone only reading what they suggest you do but that also doesnt work. I would like to know I can get my money from them.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not below to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed.

Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. 
On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. 
On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. 
On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY.

I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

westlake has an account on my credit report thats not mine
Product: Money transfer, virtual currency, or money service

I was selling items on XXXX which the payments were processed through PayPal. Upon the completion of the sales, I purchase the shipping label from XXXX and send the items out to the customer. Some of the items were digital items so there was no tracking number as these were sent to the customer through XXXX 's messaging system. Upon making several sales in a few days, PayPal locked my account and asked for more information about what the money that was incoming was for. I provided descriptions of the items sold, showed proof of receipt of me obtaining said items, and provided photo identification of myself. After providing this information, PayPal locked my account and said they are going to hold my money for 6 months. This is very unfair for them to lock my money up for such a long period of time for items that I have shown that I obtained and proof that the item was delivered to the customer. 

Items that have been delivered and confirmed by the shipping information, are still locked and I am unable to access my money. This puts me out of the funds for 6 months on items that I already paid for and I will now be unable to use that money for bills that I owe.
Product: Credit card

I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them,
Product: Mortgage

I fell behind on my mortgage because of major home repairs that were urgent and mandatory, in order to keep my home in good condition. I applied to Rushmore Loan Management for a modification, so I can get back in good standing with my mortgage. After several months of the process, Rushmore approved me for a payment of {$3600.00}, a payment that was {$1100.00} MORE than my previous payment, AND also asked me for a down payment of {$6000.00} as a condition for the modification.

They asked me before if I had any money for down payment and I told them I did not, yet they still asked me for over {$6000.00}!

I asked them why are they giving me a payment of {$3600.00} MONTHLY, and what calculation they used to come up with that ridiculous payment, on a house in the ghetto, worth under {$20000.00}, and was shocked at the explanation. So, I have a rental property in Pennsylvania, and THEY USED THE RENTAL INCOME FROM THAT PROPERTY, BUT DID NOT TAKE INTO ACCOUNT, THE MORTGAGE PAYMENT AND EXPENSES ON THAT PROPERTY!! 
So they used the income and didnt care that that mortgage company for that property should be paid with the income from that property. This is insane!
Product: Debt collection

I tried calling the companys but no answer. also emailed them as well. no reply. eventually I tried to dispute them with all credit breau 's but I dont know if they even Came off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account :
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase an XXXX at the XXXX Store in XXXX, Washington, DC using the XXXX   Loan payment plan. XXXX  declined the loan with the following statement to me : " UNABLE TO ACCESS CREDIT REPORT. CONTACT CREDIT BUREAU TO CONFIRM YOUR STATUS. '' Incredibly I just paid off a two year loan with the same company. They referred me to the credit company who blocked my account, and this company is Equifax. 

I called the Equifax number requested and spoke with three consecutive individuals, all of whom were asking questions about accounts that I do not have or ones on which I can not remember monthly balances. They were unable to unlock my account. I became very suspicious of all the questions because Equifax is a company that has had a substantial data breach and is not to be trusted. 

All of the people who I was told could help me by phone stated they could not remove a " Stop '' or " Freeze '' on which they have imposed on my account. All of my financials are in an excellent state and I can not understand why they are locking my account. I believe it may be because I refuse to pay them a monthly fee or a fee to get a credit report. 

I have not asked Equifax for anything and don't even know why they have my account information and can prevent me from getting a loan.
Product: Credit reporting or other personal consumer reports

In XXXX  I brought a car from XXXX XXXX XXXX and were up todate with my payments until they email me saying westlake profilo were taking over and I will need to start paying them. Well when I call westlake to see what was going on they told me I owe them for the whole car which is a lie. I brought the car for XXXX and Ive been making payments. Then they told me well us auto didnt send anything over but your lease agreement so you have to start making the payments over then I ask him how much is it saying I owe and he told me more than what I got the car for. They now saying I owe XXXX but how is that possible if I were up to date on my payments before yall took over and Ive been paying for a year already. Not only did us auto break their contract but westlake put a repossession on my credit after I told them I didnt want to lease through them
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively. 

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party. 
( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place. 
( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure. 

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure. 

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not.

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.
Product: Debt collection

On XX/XX/2014 my identity was stolen. Since then I have been trying to recover from the identity theft. I recently found out there is multiple credit cards, loans, car loans, and bank accounts in my name. I have filed a report with the XXXX XXXX XXXX XXXX XXXX case # XXXX for identity theft. They recently advised me that they do have a suspect that is using my identity. I did not give permission for this person to open up accounts, use my name, use my date of birth, and social security number. I would like my credit report to be cleared from those debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed out letter to Transunion asking to verify accounts on my report. Transunion failed to show proof that each account is 100 % accurate. 

I ask to Tranunion to share with me their method of verification for the following accounts in question. I have yet to receive a respond and it is now XX/XX/XXXX.