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

Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

I would like to clarify that I have not violated any PayPal policies, nor have I engaged in any fraudulent activities or activities that would warrant the permanent limitation of my account. I have always used my PayPal account in accordance with the terms and conditions outlined by PayPal, and have been a loyal customer for a considerable period of time. 

Therefore, I respectfully request that PayPal re-investigates my case and provides a detailed explanation as to why my account was permanently limited. I am confident that upon re-investigation, you will find that I have not violated any policies or engaged in any activities that warrant the permanent limitation of my account. 

Furthermore, I request that my account be restored to full functionality if the investigation reveals that there was a mistake made in limiting my account. I rely on PayPal for various transactions and it has caused me great inconvenience and financial loss since the limitation was placed on my account. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon. 

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

Portfolio Recovery Services has been reporting a debt of {$400.00} to XXXX for several months. This company refuses to provide any information and is clearing using debt parking which is a violation under FDCPA and FCRA laws. This is causing extreme financial problems for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names/ Numbers : 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 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 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 ) ( 1 ) 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.

I didnt open these accounts!
Product: Credit reporting or other personal consumer reports

Hello, I have requested for a XXXX form from the original creditor XXXX which they denied and requested for me to reach out to the IRS to obtain the document of the charge off. From my knowledge the creditor is supposed to provide the XXXX form after placing the vehicle under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX, Trans union and XXXX as repossession instead of a charged off which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the repossession is still reporting across the board as a late payment as of XX/XX/XXXX as if the vehicle been repo every month.
Product: Checking or savings account

Ive had multiple issues with this bank, I believe I had been a victim of identity theft so I tend to lock my card, somehow unrecognized charges still penetrated through this barrier chase spoke so highly of. 
I filed a dispute XX/XX/22, and on XX/XX/22 I find out my account has been restricted and is closing in a few days. I also recieved a letter stating that I could possible resolve this issue if I submit the documents they requested ( also didnt tell me which documents ). Ive went to several institutes and called every number I found associated with Chase to try to resolve this issue and no one could tell me anything. At this point I just want my funds. 
I was told over the phone that it was at the discretion of the banker whether or not they want to give me my funds, but the banker is telling me I have to wait until they mail it, because I still had pending transactions. They couldnt even give me my savings which had no transactions. 
Multiple people have told me it would take 10 days everything to clear and send my check. 10 days have passed and Im still receiving these unsure and suspicious answers. It feels like theyre giving every excuse to stall and keep my money, but I will not allow that. 
I have went to the bank a numerous amount of times and I just want my money and to be done with Chase for good.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of late payment reporting on my credit report. Upon reviewing my credit report, I have identified a late payment that I believe to be inaccurately reported. I understand the importance of accurate credit reporting and the impact it has on my creditworthiness. As such, I request that you conduct a thorough investigation into the late payment reporting and take appropriate action to correct any inaccuracies.
Product: Debt collection

XXXX XXXX, XXXX, paid on account {$40.00} ; XXXX XXXX, XXXX, paid on account {$100.00} ; XXXX XXXX, XXXX, paid on account {$40.00}. 
On XXXX XXXX, XXXX, day of the XXXX XXXX procedure after I made the payment I had asked if we would owe anything else. The representative informed me the only amount that I should be billed for would be {$40.00}. 
I never received a bill for {$190.00} at all and did not know about it until I checked my credit report. I do not appreciate this being sent to collection agency without any notification and finding it on my credit report.
Product: Checking or savings account

I am unable to access my Coinbase account. There was over {$8000.00} in there. I was told I'm unable to log in because I have a home in XXXX. I also live in the State of XXXX. I just want to close the account and have my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spouse or co applicant : Report # XXXX XXXX XXXX, 2017 On my credit file is a XXXX who is this I 'm not married nor do I no who this is. Its just one name XXXX Just XXXX what is this or who or what Why does Experian have information like this on my credit report but no reason or who this is or why it is showing.
Product: Credit reporting

" Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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
Product: Debt collection

I am writing to file a formal complaint against Debt Collectors International , Inc. ( DCI ) regarding their aggressive and threatening collection tactics. Today, I received a phone call at approximately XXXX PM EST from DCI, informing me of a {$340.00} debt allegedly owed to XXXX XXXX, a local photography shop. 

During the call, the representative immediately pressed me to resolve the matter by making a payment over the phone, despite my explanation that I am currently unemployed and unable to make a payment at this time. Despite this, the representative continued to insist on payment and threatened legal action and negative credit reporting if I did not comply. 

I reiterated multiple times that I am not in a position to make a payment today, which was met with further intimidation and pressure to provide my credit card information for future charges. The representative even suggested charging my card without my consent at a later date. 

I want to emphasize that this debt stems from unpaid photography services due to my recent medical leave and subsequent termination of employment. Given my financial circumstances, making a payment today is simply not feasible.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account name- XXXX XXXX XXXX Account number - XXXX
Product: Debt collection

I had no knowledge I owed this amount to XXXX XXXX. They sold the debt to XXXX XXXX. It was taken to court without my knowledge XX/XX/XXXX. The original debt was for XXXX. The amount owed is now XXXX. They emptied my checking and savings of XXXX on or around XX/XX/XXXX. I had no written statement of garnishment. I bought a home in XX/XX/XXXX and when mortgage company ran my credit I had no past due accounts or collections on my report. I obtained documents myself from court house and my bank. I had no written correspondence with the creditor. I do not believe they are on the up and up. I feel like they are ripping myself and others off by their tactics. I researched on my own. Others might not know to do this and pay them blindly without knowing their rights. I would like this account to be investigated to prove accuracy. And to know if they can legally charge me 3-4 the original debt. I was not contacted about court cases so I was unable to show up to said court dates
Product: Mortgage

I have been trying to repair my credit since filing bankruptcy in XXXXXXXX XXXX  2020, it was XXXX in XXXX 2020. I sent the discharge paperwork shortly after by email to Amerisave mortgage. Multiple times on phone conversations I requested they start reporting my payments. I was told the loan was not reaffirmed. I still make my payments every month and was told to contact my lawyer about the reaffirmation paperwork. I did and was told by him that he hadnt received any paperwork from Amerisave in regards to the reaffirmation. I was told by Amerisave that I had to request in writing to have my loan reaffirmed, to which I did and I requested a reporting of the legal fees I was charged by them at the same time I sent the request on XX/XX/XXXX of this year. I also emailed them a screen shot of the bankruptcy paperwork showing in the filing Amerisave was to be reaffirmed. I have been locked out of my online access for loan servicing since I filed bankruptcy and I have been told that it could take up to XXXX days for them to come to a decision on whether to reaffirm the loan or not. I get transferred around and leave messages requesting call backs that take days if at all to be returned. When I ask about escrow account balances Im told by some that I have to submit my request in writing and sometimes someone else may give me the information over the phone. Its ridiculous that I cant log into my account to check status of my account, or make a payment. I would strongly discourage anyone from using this as your mortgage company. Their service has never been good, even before the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : STATE OF MI XXXX XXXX Account : XXXX STATE OF MI XXXX XXXX Account : XXXX 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: Checking or savings account

This is an ongoing issue with Regions Bank. 

1. When an overdraft has happened they will charge {$35.00} for each overdraft instead of per day. If I make a deposit on any given day they will take out their overdraft fee before making the deposit even when submitted on same day. Things are tight right now and them charging a {$100.00} over and over does not help. I can't get caught up.

2. If there is not enough money in my account, why are they approving the charge only to charge me overdraft fees.

I realize I am responsible but {$200.00} is overdraft charges and fees in just a few days is an unfair practice.
Product: Credit card or prepaid card

AMEX XXXX They sat on a pile of bunk receipts they couldn't possibly make add up, they sat on evidence my family was being blackmailed, they sat on evidence my family 's lives were threatened, this industry in XXXX is a complete sham, it's nothing but a front for XXXX XXXX, XXXX, fraud, XXXX, it all runs off credit cards daily, and they did nothing but collected every dime so they could make the charges appear legitimate and wreck our lives. 

I hope one day law enforcement will see this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with XXXX XXXX  over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the yearXX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to XXXX XXXX again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX  report because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX also was to be deleted but is still reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Complaint for Violation of 15 U.S. Code 1681o - Willful Noncompliance with FCRA Dear Sir/Madam, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses willful noncompliance with the provisions of the FCRA. 

On dates XXXX XXXX, XXXX XXXX, XXXX XXXX, I identified an issue involving inaccurate or incomplete information on my credit report that you failed to address, despite multiple requests for correction or investigation. As outlined under the FCRA, consumer reporting agencies are required to ensure the accuracy and completeness of the information they provide and investigate any disputes within a reasonable timeframe. 

XXXX XXXX, XXXX { XXXX XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX  } I contacted Equifax to help resolve these falsely reported issues on my credit profile XXXX months ago they failed to provide information explaining to me whats going on. I would love to have these removed as soon as possible because its stopping me from being able to get approved for things.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I am submitting this complaint regarding a billing dispute with CHASE. Despite multiple attempts to resolve the matter directly with the bank, my concerns remain unresolved. 
I am asking for a refund of the {$250.00} security deposit charged by XXXX on XX/XX/year>, for an alleged unreturned key. I accidentally took the key with me on the day of return. Called XXXX  from the airport who said, no worries.. just mail it to us when you get home. I did and have registered receipt they received it. They have not refused the {$250.00} deposit. 
Regrettably, I have tried to contact XXXX at least a XXXX  times to resolve this issue, but they have not responded to my phone calls or emails after the initial contact. This lack of responsiveness led me to escalate the matter to Chase for assistance. 
Unfortunately, I have spent hours on the phone with Chase representatives, explaining my situation repeatedly. Each time, I am assured that they understand my case, the solution is obvious, and that it will be resolved as soon as it is escalated. However, when the matter is escalated, I receive an automated rejection message with reasons that have no bearing on the actual dispute. 
Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges, and creditors are required to investigate and provide a timely resolution. XXXX XXXX 's failure to address my concerns appears to be non-compliant with this regulation. I complained, I documented the complaint multiple times, and XXXX  XXXX gave me the excuse that I did not document my claim. They obviously did not read the documentation and did not take the time to investigate. They were very timely in their denial but I believe this is because they did not investigate as required. 
I am requesting that CHASE reverse the unauthorized charge of {$250.00} to my Chase Reserve card, and provide written confirmation of the resolution. 
I have attached copies of my receipts and correspondence with XXXX XXXX. 
I appreciate your time and assistance in investigating this matter. Please let me know if additional information is needed to support my complaint. 
Thank you. 

XXXX XXXX XXXX
Product: Student loan

I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.