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

XXXX is debiting my bank account without permission and in what seems to me unethical at best, possibly illegal. 

After 12 years using Paypal, they " permanently limited '' my account for reasons they refuse to disclose. Hundreds of thousands of dollars of business transactions were done over the years. Frustrating to not even know why this happened. 

First complaint, they have basically seized {$43.00} left in the account for XXXX XXXX ( XXXX ) and claim they will only release it after 180 days. XXXX MONTHS! 

The real issue though is that on the XXXX of XXXX I had transferred {$260.00} to my bank account with XXXX XXXX. This was the proceeds of sales activity, minus all Paypal fee costs. I do not owe XXXX any money. The {$260.00} cleared my bank and became available as a completed transaction on the XXXX. 

A few days later they terminated my account and then placed into motion an ACH debit for {$260.00} in my bank account. I called them and they basically said while I did not owe them money they could and would do this and hold the money for XXXX months, then maybe transfer it back to me. 

Paypal has no legal reason to do this other than their size allows them to abuse people. They claim it is to protect themselves from non-shipment of sales items or chargebacks, but they also will not allow me to remove the bank account from their site. Any chargebacks would come back to the bank account in any caser so this is a lie to simply take money from people. 

Further, while the {$260.00} ACH shows on my bank account, the charge does not appear on my Paypal transactions. The {$260.00} has been debited from my bank, but not reflected on my Paypal balance nor in the transaction history. They have cloaked or hidden it, which seems almost criminal to me. 

What would stop Paypal from placing ACH charges on my bank account at any time, in any amount? Very abusive. Why is this legal? Help me. I have already filed a claim for fraud with my bank, but as of yet they have not replied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the following information removed from my my XXXX and XXXX   reports ( due to the age, paid off status ) : Transworld systems # XXXX ( medical- XXXX XXXX XXXX XXXX bill ) reported to collections ( on XX/XX/2014 ) account by calling XXXX. I spoke with a representative who denied numerous times that they, 1. had the account and 2. reported  it to the credit bureaus. I specifically asked numerous times ( on a recorded call ) to have the item removed and WHY I was making said request, to all request she kept trying to only " give me a letter saying it was paid in full. '' I AM well aware it was paid in FULL, I expressed that to her over and over. I again stated my request to have it removed due to age, per the credit reporting laws ( " The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history '' ) She again pretended to not understand my request. I then told her I would be making a complaint through this agency for a remedy of item removal. I asked to speak with a supervisor, none were willing to come to the phone! I am asking CFPB to assist me in having this item removed from my credit report due to age/history.
Product: Credit card or prepaid card

On XX/XX/2022, I called customer service for my XXXX XXXX XXXX XXXX because I was charged late fees of {$41.00} due to the fact that with the switch from XXXX XXXX  to Barclays Bank my statement was not received. I was told the fees would be waived, and to just pay {$30.00} which I did. 

On my next statement I saw I was charged the {$41.00} fees + a {$2.00} fee. I called customer service again in XX/XX/2022 to inquire and I was told not to worry, my balance is {$0.00} and I didn't need to pay anything. So I did not pay in XXXX. 

For the XX/XX/2022 statement I was charged the same {$43.00} + a new {$32.00} late fee, or {$75.00} total. I should not have been charged any of these fees due to waiver of {$41.00} in XXXX which is still not reflected in my statement. 

When I called Barclays, I was told the {$41.00} was waived even thought it obviously was not and I was charged an additional {$32.00} fee. I was then told I'd be transferred to a " relationship manager '' but was placed on hold for an hour with no one ever picking up the phone.
Product: Credit card

I purchased furniture from XXXX and all the furniture is broken and defective now. I have n't had the furniture for a year, but the furniture is all broke and defective. I received furniture of poor quality and materials. I was charged {$4000.00} for the future. I sent a complaint to Wells Fargo and XXXX XXXX back in XXXX 2015. I received a letter from Wells Fargo Financial National Bank on XXXX XXXX, 2015, in regards to my complaint. Wells Fargo Financial National Bank informed me, my disputed charge, was valid. Review Consumer Financial Protection Bureau Case # : XXXX. I want Wells Fargo Financial National Bank to issue me a credit of {$4000.00} and send me a new card as well.
Product: Mortgage

Please respond in writing and advise me of ; 1 ) Any Interest XXXX XXXX XXXX XXXX XXXX XXXX, its subsidiaries, reinsurer and or affiliate have, hold and or own, including Beneficial Interest in properties commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX and or XXXX XXXX XXXX XXXX XXXX, NC XXXX. 2 ) Please provide me with the legal description of any first mortgage loan ( s ) fee simple real estate that you or your subsidiary, reinsurer and or affiliate have accepted without recourse as it relates to the insurer ; ( 11 NCAC 11C .0119 ). 3 ) Please respond to my previous letter dated XX/XX/XXXX as this now serves as my third request. 4 ) Please provide me with the policy numbers as reflected on the HUD dated XX/XX/XXXX for the GAP in coverage spanning XX/XX/XXXX - XX/XX/XXXX. 5 ) Please provide written explanation of why XXXX XXXX XXXX XXXX XXXX XXXX insured stacked and recorded four Deeds of Trust specifically dated XX/XX/XXXX and XX/XX/XXXX that were not in compliance with XXXX XXXX  ( servicer ) closing attorneys specific written instructions. 

Thank your in advance for taking the time to understand my complaint and your substantive response to these specific five issues each being numbered above. 

Regards - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A third party company came up on my credit report. The company is called XXXX XXXX XXXX. I filed a dispute for It to be removed from my credit report. I still hasnt been removed.
Product: Credit reporting or other personal consumer reports

There was a security breach of the XXXX major credit bureaus which released sensitive negative information that was personal and detrimental.
Product: Credit reporting or other personal consumer reports

Hard inquiries are not authorized this is intentional and a violation. Transunion has been notified certified mail and CFPB to remove and no longer report all hard inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, my husband and I agreed to refinance our home with Chase Bank working with XXXX XXXX. XXXX XXXX stated there would only be a {$500.00} upfront fee and outlined in writing all of the subsequent fees that would be involved in the cost of closing the mortgage. Agreeing to those specific terms, we moved forward. 

After taking my credit card information and charging me {$500.00}, I received an email from a paralegal, XXXX XXXX, representing Chase bank, asking my husband and I to send an additional {$950.00} cash that night. This was never disclosed and not on any documentation that we signed. So, no longer feeling comfortable that Chase was being honest with mne and reviewing the mortgage conversations we previously had regarding the mortgage lending deal, I asked JP Morgan Chase for a full refund of the {$500.00} application fee andwithdrew our mortgage application on XX/XX/2021. The r eason we are asked for a full refund is that when I called and spoke to XXXX XXXX I was told that there would only be an upfront fee of {$500.00}, and the email I received from XXXX XXXX was asking for an additional {$950.00} only AFTER the mortgage application fee was charged to my credit card. The current good faith estimate that I received from Chase did not disclose the {$950.00} as an upfront payment. 
Because we are within the first 72 hours of the application process, we requested multiple times from Chase, given that we were not made aware of these new out-of-pocket fees, for the full refund of our application and withdrawal of our application. 

They have denied the refund saying that they will only refund if they can not process the mortgage refinancing ; however, they never disclosed those extra fees and even admitted while on the phone with XXXX XXXX, the Client Specialist, that the mortgage lender " didn't know about the fees. '' The manager, XXXX XXXX, promised to contact me on XXXX XXXX, 2021 and never did. I have since tried calling multiple times, sending emails, and even tried contacting customer service on XXXX, all of whom are ignoring me.
Product: Credit card or prepaid card

The credit card issued by Capital Bank has installment monthly payments that have been made on this account and setup by me, but have not been satisfied as yet. I am requesting once payments have been satisfied. That this account listed with all 3 credit bureaus, be undated to a Paid in full status/ account closed, also any damaging derogatory remarks listed on my credit file are removed, including this account being listed in charge off status and all prior and current monthly late payment reporting as late or missed. If you are unable to do so, A PAY FOR DELETION of this account would be fine. Please note that this account is severely damaging my credit report and hurting my chances in the future with creditors. Just as negative or missed payment information is reported monthly. The bureaus have stated that a creditor can also update an account status by reporting it and any other revised information to a positive status as they do when reporting negative information. Please acknowledge my request as I am approaching the end of my installment payment agreement. Next payment in the amount of {$100.00} is due on XX/XX/21, next payment {$100.00} due on XX/XX/21, next payment {$100.00} due on XX/XX/21 and Final payment is due on XX/XX/21 in the amount of {$79.00}.
Product: Credit card

I have had a card with this company for 3 years.. never late and credit score of over XXXX XXXX  .... i have been recently denied a credit card limit increase with Capital One .... 

( A screenshot of this Letter is attached ) When i attempted to get an answer as to why Capital One can not verified my information.. I was told to refer to the letters reasons.. but yet the letter does not explain as to why the company can not retrieve my information.. nor is anything listed on their website regarding the matter.. I spoke to customer service and was told another dept needs to get involved to research.. which takes XXXX business days.. I waited XXXX weeks.. called back and spoke to a supervisor who was trying to refer me back to the letter reasonsing.. and stated I have to wait another XXXX business days for a review for my credit limit increase ... my goal for the call is to resolved why the company can not retrieve my credit data from the agencies.. I checked my credit reports and there are not any blocks or freezes on my credit.
Product: Debt collection

Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.
Product: Debt collection

ON XXXX ASSET CARE LLC. CALLED MY PHONE NUMBER XXXX. THEY WERE ASKING FOR ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER BELONGS TO THEM. I ASKED THE REPRESENTATIVE FOR THEIR MAILING ADDRESS. COMMON SENSE HERE. IF I ASK FOR THEIR MAILING ADDRESS, SEND THEM A LETTER IN WRITING LETTING THEM KNOW THIS NUMBER BELONGS TO ME, THE NEXT TIME THE FILE GOES TO ANOTHER DEBT COLLECTOR, THEY WILL KNOW THE NUMBER NOW BELONGS TO ME, XXXX XXXX ( AND NOT TO CALL ME ). I HAD TO PULL TEETH, THAT IS I HAD TO ASK SEVERAL TIMES FOR THEM TO FINALLY GIVE ME THEIR MAILING ADDRESS. IT IS ABUSIVE, UNFAIR, DECEPTIVE, AND ILLEGAL FOR THEM TO NOT GIVE ME THEIR MAILING ADDRESS. DISPUTING THE DEBT IN WRITING HELPS, AS IT DOES FILING A COMPLAINT WITH THE CFPB. I ALSO WANT THEM TO SEND ME A COPY OF THEIR DNC POLICY. THEY SHOULD HAVE CHECKED TO SEE IF MY NUMBER WAS RECYCLED AND IF IT WAS REGISTERED IN THE DNC REGISTRY.
Product: Debt collection

I was not aware i owed a debt on a credit card until it appeared on my credit by way of PORTFOLIO RECOVERY ASSOCIATES. I thought the account had been paid. At any rate, once i learned i owed the debt i wanted to pay it even though PORTFOLIO RECOVERY ASSOCIATES had placed the account on my credit without sending me a notice or to verify the debt.

That said, I was told if I paid the account for the settlement amount they ( PORTFOLIO RECOVERY ASSOCIATES ) would remove the account from my credit because technically they were in violation by not contacting me first. I asked for XXXX XXXX to put it in writing first- he did. To date the account has not been removed as agreed its showing that I made a settlement on the account Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$310.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Comment Account paid in full for less than full balance
Product: Debt collection

The loan company Western Shamrock sent an txt message to someone who is not me discussing a debt I supposedly owe. I had reached out to them and advised I did not have a loan with them. They have now reached out to someone not even related to me. Disclosing my name and amount owed. This is embarrassing and humiliating. And quiet frankly against the law
Product: Credit card

I opened a self visa for utilization purposes while we were preparing to purchase a home. I never used the card, it was strictly to help balance utilization for student loans. I recieved a notification my credit card was over the limit, so i quickly checked and saw numerous charges on the account that i did not make. The card had been lost, and i reported it to XXXX who gave me a dispute number to call. I caled the dispute number and told them my card had been lost and there were multiple unauthorized transactions amounting to {$700.00} I was notified that the charges would be credited and I would hear back in a few weeks. A few days later I noticed all the charges were reversed once again and when I called self I was told that there was no error. How is there no error when the card was never used and lost in a move? The charges occured XXXX miles away from my home! Self needs to reverse the charges, correct the credit reporting, and make me whole. The customer service was self was also a nightmare. This has caused my mortgage lender to cease our lending process! Case # XXXX
Product: Checking or savings account

In 2020, I opened account with Chime so I could receive direct deposits for my Georgia unemployment during the pandemic. Chime closed my account days after I started to receive my back payments from the Georgia Department of Labor. My account has been closed since. I never received my funds in my account which was {$12000.00}. Ive emailed and called chime several times daily and nothing has been done. They refuse to reactivate my account or give me my funds. They are illegally holding my funds and will not return them.
Product: Debt collection

Account not mine, did not sign any contract with this company. I will file a complaint with the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints for unlawful practices, violating my consumer rights. I have not authorized any agency to report any derogatory, erroneous information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Your agencys failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Your agencys failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX XXXX Line of Credit/Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX/Account # ... XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX : XX/XX/XXXX
Product: Debt collection

I have been making payments to this company for n old debt even through the recent pandemic and the interest said attached to this debt is wrong. They have unfairly attached an interest rate that exceeded original amount with the company whom they purchased the debt from. This debt should have been satisfied if the unfair interest charged had not been assessed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not been able to validate this debt as this debt is in accurate but still continue to report this on my credit bureau.
Product: Mortgage

This is an ongoing complaint for around a yr. I've been in mediation -remediation Wells Fargo Home Mortgage class action lawsuit during this time for misapplied payments.But you have records this, please keep me informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company several disputes to this company over the last year and they have not the any work on my credit file, they only come back with computer generated answers instead of investigating the information that I have ask to be asked to investigate. I last mailed in a disputed on XX/XX/2022 and get an alert on XX/XX/2022, through my email say you dispute complete that was very fast and I see they DID NOT INVESTIGATE any items I disputed I am working hard to insure the accuracy of my credit report and they refused to do their job. And the third party company XXXX XXXX that they purchase information from, been informed that they do not have any information in their system. I have attached the disputes and the alerts that I received today.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard credit inquiry was made through Experian by the US Small Business Administration on XX/XX/2020. I contacted the agency on or about XX/XX/2020 after several attempts. They assured me that no more inquiries would be allowed and this incident would be removed from my credit report. I froze my credit reports. I have yet to see the item removed and it lowered my credit score by at least 12 points which hasn't been corrected either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing.

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Name ], I recently reviewed a copy of my credit report and discovered multiple inaccuracies, including addresses and names that are not associated with me. I have no connection to these details and am uncertain as to how they appeared on my report. I am formally requesting that you investigate and remove all incorrect information from my consumer report within four ( 4 ) business days of receiving this correspondence.

The following details need to be reviewed and corrected : Experian : The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have included the necessary documents to fix this issue.
Product: Mortgage

I applied for a XXXX XXXX RV loan with 21st Mortgage initially on XX/XX/2020. Currently, I have not received approval due to the income requirements as stated by 21st Mortgage company as they say Im not currently within federal regulation requirements. I have 3 jobs - one is a XXXX, one is XXXX, and the third is a new XXXX job. 21st mortgage states that they can not include ALL my income as the XXXX job is too new ( I started a month ago ) and my XXXX and XXXX  income isnt sufficient as I write off my work from home expenses and they say my taxes are not meeting the guidelines. How can one build credit, begin to own a new ( first ) home, and create good equity if these income/credit regulations/standards continue to suppress those very capable of managing an estimated $ XXXX month mortgage payment? 

Please help those of us trying to better our lives by loosening the strict Financial regulations/guidelines put upon these mortgage companies.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America authorized a debt collection agency to offset {$3900.00} from my business checking account without authorization. Bank of America illegally, without a court order, stole funds to pay a debt. When I spoke with Bank of America, they transferred me from person to person without explaining. When I was finally assigned to their " collection agency, '' XXXX XXXX told me that by signing the credit card agreement, I was giving Bank Of America power of attorney to do whatever they pleased with my accounts. In XXXX, I tried to connect with their credit department to either settle or come up with a payment plan for those credit cards, but their customer service said, and I quote... if you don't pay us in full, there is nothing we can do to help you. So, they decided to violate my privacy, break into my checking account, and offset a payment without my permission or a court order.