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

I opened a PayPal account back in XX/XX/XXXX as I like to play casino games online. Because I play quite a lot, I also use the PayPal account quite a lot. Several times a week. PayPal enabled me to easily deposit and withdraw to my casinos accounts, which is something they advertise on all the websites I play at. All these casinos are registered with the New Jersey Division of Gaming Enforcement.

I have a few friends who do the same and they also have PayPal accounts for the same purpose. This means that we occasionally send money between each other as well, PayPal account to PayPal account. Everything has worked great for the last 14 or so months until last week [ XX/XX/XXXX ] when I received an email saying my account has been limited and that I would not be able to send or withdraw my money. PayPal requested some documents and information from me which I complied with on Sunday 12. During this time I was also informed that my friend who recently transferred me some money had also received the same message and had his account frozen. I didn't think anything of it and thought they are just routine checks. Later that day I received an email from PayPal stating that my account had been closed and that they're withholding my money for 180 days! They didn't give me any reason for this at all. I have also found out since that my friend had all his restrictions lifted and PayPal allowed him to keep his account. 

This is completely unfair. I haven't broken any rules. I have {$16000.00} in the account and they can't just take my money away from me. Please help me with this situation, I'm not sure what to do.
Product: Checking or savings account

I went to Chase Bank XXXX XXXX XXXX, CA ( XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ), to access my safety deposit box. They were unexpectedly closed, and had a sign that said to set up an appointment online or call phone number. Okay, inconvenient but understandable. But online, that branch on chase.com did NOT have an ability to schedule an online appointment. OK, so i reached out to Chase XXXX support. They told me to email the XXXX with details about the location, customer name, address, and Box #, which I did. I got a reply that this location is not scheduling anything! Then they said if you can not reach anyone, then email the branch manager, but they didn't include the branch manager 's email address. Chase has essentially ransomed my safety deposit box illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX XXXX Account Name : XXXX, XXXX & XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : DEPTEDXXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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.
Product: Debt collection

it is my second time receiving a letter from this sayer lawyer group for an alleged debt that is not even reported on my credit report because IT IS NOT MY DEBT! 

I sent them a certified letter on XX/XX/23 asking them to provide me with the contract that proves i am liable for this allegation and who were they as i never heard nor contracted with them! they did not send me any proof and i also look them up on the state of Illinois if they are even registered and licensed to legally send me correspondences and they are NOT licensed! 

they are in violation of the Illinois Collection Agency Act ( ICAA ) and the Illinois Debt Collection Act ( IDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

they failed to Produce a Contract, Delegation of Authority, Regulatory Authority therefore I demand they Cease and Desist Immediately any correspondences with me see attachment of my certified correspondences sent to them. 

I need your help to have them stop harassing me
Product: Debt collection

Portfolio Recovery Associates Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX Date opened : XXXX XXXX, 2017 In the amount of {$570.00} I disputed with this company they only provided me with a printed out payment history. They did not validate the debt nor validate any type of signatures associated with the debt. 

To whom it may concern at Portfolio Recovery Associates Be advised that this is not a refusal to pay and This is not a request for " verification '' or proof of my mailing address but a Request for VALIDATION of the debt you say I owe pursant to 15 USC 1692g Sec. 809 ( b ) of thd FDCPA. 
If fail to provide Validation I am requesting immediate removal of the debt from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS VIOLATION of MY CONSUMER RIGHTS XX/XX/2022 XXXX XXXX XXXX  reported that I was late making a {$47.00} payment. THIS IS NOT TRUE OVER THE YEARS I HAVE NEVER BEEN LATE ON THIS ACCOUNT UNDER 15 USC 166B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME. THIS IS ASN ERROR THIS ACCOUNT IN VIOLATION. UNDER 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. I never received full disclosure to opt out this is deceptive practices. 

This has caused immense harm to my daily livelihood. I have not been able to obtain credit and this is really draining me mentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acctXXXX I previously sent a verification letter via certified mail regarding inaccuracies on my credit report. Despite their form of verification, the attached screenshots indicate the information remains inaccurate. This persistence is a direct violation of Title 15, Section 1681 of the Fair Credit Reporting Act ( FCRA ). I urge immediate correction of this error as mandated by federal law to uphold the accuracy and integrity of consumer credit reporting. Your swift attention to this matter is greatly appreciated.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Product: Money transfer, virtual currency, or money service

Coinbase.com removed a total of {$100.00} from my bank account ( {$50.00} from checking and {$50.00} from savings ). This was an unauthorized transaction as I did not create an account with them. The reporting a fraudulent charge option on their site does not work and no one responds to requests. 

I have already reported it to my bank account.
Product: Credit card

My credit card application was rejected by this bank and they pulled my credit report on XXXX and I was told I was approved over the phone and then I try to call them back and my phone number was blocked by this bank for no reason. And the application number XXXX This dont make any sense at all. I was told I was approved for up to XXXX credit limit Then my phone XXXX was blocked from calling mid first bank
Product: Money transfer, virtual currency, or money service

I have XXXX GBP ( about XXXX US Dollars ) on account with Coinbase. 

In order to withdraw money from my account, Coinbase says I need to verify it by depositing XXXX Euros by bank transfer. They say that once this is done, the account should be verified within 2-3 business days, and I should be able to withdraw my XXXX GBP. 

I deposited these XXXX euros on XX/XX/XXXX, and as of this writing Coinbase is still refusing to verify my account, and is withholding my XXXX GBP. 

I first contacted Coinbase about this onXX/XX/XXXX. I have received many vague responses assuring me a resolution is just around the corner, but as of this writing, they still have my money. 

I am attaching the history of my communications with Coinbase. 

Thanks for reading, and I hope you can help me out with this.
Product: Credit reporting or other personal consumer reports

Ive requested a 1099c form from global lending service auto loans so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies transunion XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Ive got my money stolen from me from my cash app because this person watched me put in my pin. 
This person is named XXXX XXXX $ XXXX is her Cashtag.She stolen {$220.00} and i didnt authorize this payment on XX/XX/2020 Although i did pay her {$25.00}, this person watched me put in my pin and waited until i was away from my phone to access my account from my phone and sent herself $ XXXX.I didn't notice this until later when this person had left the premises. 
I did not authorize this and I've brought this to the attention of cash app support with no real results. 
As a customer. I'm totally aware of the cash I send and receive and would label it as a mistake if that were the case. 
This was a person who stole from me and I requested a 'Right to refund from square. 
I don't feel like support is understanding that i dont make a lot of transactions so i know exactly what goes in or out. 
I have to record this for business purposes. I can not afford to send anyone large amounts of money without a label in the subject line. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card

On XX/XX/year>XXXX  I was at JCpenny buying clothes. When checking out I was offered a rewards account that would discount my transaction. I ended up going along and entering my information. I then asked if Im signing up for a rewards account and was told I was signing up for a credit card. I immediately asked to cancel it but it was apparently too late
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a JCPenny card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.
Product: Credit reporting or other personal consumer reports

There was several inquiries performed on my credit report that i didnt authorize i got them removed from XXXX  and XXXX but equifax seems to be the only one to not respond in the proper manor i filed a ftc report and also a previous cfpb report Indicating that this inquires needed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXX XXXXXXXX XXXX has violated my rights. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to Transunion and XXXX ; XXXX and XXXXreported to XXXX, XXXX, Transunion ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my consumer rights. I submitted a dispute regarding an inaccurate bankruptcy for which is being reported to the credit bureaus. The company failed to provide documentation stating where they received their information from. The company continues to fail to remove the negative false information pertaining to a bankruptcy from my report. In addition, the courts verified that they do not submit consumer information to third parties. Therefore this company is gathering information and inaccurately/illegally reporting it. Public records, specifically ones that are inaccurate, do not belong on credit reports. My rights are being violated. According to the FCRA law 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. This company is doing illegal activity, harming my credit worthiness in the process.
Product: Vehicle loan or lease

Im trying to voluntary resign the car because I move to XXXX XXXX and the bank didnt let me take the car with me. 

I make the calls every week since XX/XX/XXXX and we are on XXXX they pass my to different levels of employees and no one can resolve the problem.
Product: Checking or savings account

I tried logging into my ally bank, and received a message saying my account was temporarily blocked. 

I called them, they asked all my security questions, but still didnt unblock my account. 

I explained that i am traveling to XXXX XXXX and i need to have access to my account or else i will have no way to buy anything there They didnt care even one bit. Just said that in 1-4 DAYS someone will call me back to determine whether or not its me. 

I asked to know if theres any way to verify my identity, and they were super rude and simply said they couldnt help the process to faster. 

They refused to tell me WHY my account was blocked, and refused to help me verify my identity in a fast way.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased some thing using XXXX and the person lied and said they never received the money but my bank PNC said they saw it they received it but to call back the next day once it posts so I waited a whole XXXX hours like the bank said then when I called back and file the claim in a dispute I have a police report the bank pretty much told me theres nothing they can do and Im out of the funds so Im like so this person can steal {$250.00} from me and theres nothing anyone can do they got my money and lied and I have texts to prove my case I am fed up with pnc XXXX shouldnt be a scape goat for these scammers
Product: Student loan

Navient currently services my XXXX XXXX XXXX and I would like this to be discharged based on them being taken out to attend a school that is now closed and is now being proven to be deceptive under the ongoing lawsuit XXXX vs XXXX. 


Loan was disbursed in XX/XX/year> for the amount of {$9700.00} on which i still owe XXXX as if todays day.