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

In XXXX las year paypal limited my account. 
they ask me for document but when i try to send the info, they just close my account. 
they told me i have to wait 180 days for get access to my money but after they send me the email my money is avalible, i never can get access to my funds. 
i try to call and they just said wait for another email. 
more than 180 days and paypal still hold my money that is not good. 
your agreement said just 180 days no more. 

Paypal im really tire to hear said, fraud activity, suspisius activity or dispute, Please dont said that becouse my account do not have any of those thing associate. 

I want you tell me if when i can withdraw my money becouse, im really tired of wait. 

Paypal just gave me my money please. 
I know you dont want me use your services anymore but gave me my money, that all that i want. 
my email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( XXXX ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Experian report and other major credit bureaus : XXXX : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
Experian : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Experian credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Student loan

Hi I applied to a burrowers defense around several years ago. This year my federal loans were discharged due to a XXXX XXXX XXXX XXXX. I paid off my private student loans in 2018. Navient recently added a XXXX XXXX XXXX form to their website with respect to Private loans and burrowers defense cases. However potential discharges only apply to active private loans. I am not seeking discharge as I already closed out my loans. I am trying to see if there is a way of obtaining a refund for the private loans I paid out for the first institution I attended. That first institution to the best of my knowledge was included in the XXXXXXXX XXXX
Product: Checking or savings account

Monday XX/XX/XXXX XXXX and XXXX I received text from Bank of America that said my sister sent me money with XXXX. According to XXXX if someone sent me with XXXX I can get it right away so when I ask the bank said 1 to 5 business days which is against XXXX agreement. So the has to pay me inconvenience fee for left me without fund holding my money without any reason if not I'll XXXX  the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, TransUnion, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX ago.
Product: Money transfer, virtual currency, or money service

This is what is sent to PayPal 's On XX/XX/2024 I sent money and it went to the wrong person for {$1600.00}. Transaction number XXXX and I caught it within XXXX hour and called XXXX XXXX number and was told their nothing they could do and I would have to contact my bank to stop payment. I contacted my bank and was told under fed law they couldnt stop a payment to PayPals. I had my banker on a XXXX way call with your company and there was nothing the front line person would help, my banker explain the fed law and she didnt know anything and didnt care when we asked for a supervisor. I dont understand why you can go to your customer and request the funds back. I have tried to call the person and they will not return my call. I can not afford to lose {$1600.00} and I dont want to get attorneys, Banking Commission and or my congressman involved. I sure Im not the XXXX  person that this has happen to and would like a better explanation and a solution on getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX XXXX card due to the fact that I am a reward elite member with the XXXX, if I apply I would receive XXXX points. I have a good credit score. I keep up with all of my payments. right not I am putting my self on the line for loss of use due to fire in my home for my home owners insurance company to charge the hotel room at the XXXX and wait to be reimburse. the XXXX card is operated by Chase, I had some history with chase, whom still owem me dollars for XX/XX/2014 service contract on a vehicle and and {$30000.00} Mortgage insurance policy so this is what they go back on and. reject me on on the actual facts. I have not opened too maany cards, I openec one jet blue card in the last year. the rest or the informantion is either not updated or incorrect on XXXX. So I want to know to know the exact specific for the rejection now. the reference # XXXX and the exact cards they claim. oopened and the dates opened, this is my information, not chase information and if XXXX is reporting incorrectly they need to correct it. Chase is not keepin me from receiving points, cards thei give out points should not only stick to one bank they should have a variety of band options because of reasons like this due to disccrimination against customer/consumers that challenge them. i never heard of such events, and i think the XXXX notice Emil came that said it was being checked. I would like to know what other bank handles XXXX reward   points, I will besent this copy to the XXXX Rewards   centrer and taking to the Hotel and informing that Chase is deny me points and to find another bank to work with. I would like you to out if this is correct, i know this is a spiteful act. That you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or credit management

As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card

Since XX/XX/2023 we have been calling and faxing Bank of America about the lien on the house that was found when I was in the process of selling my house which has now been sold. Myself, my son and my lawyer have talked to the Bank of America numerous times and they continue to say we have to fax the legal department for us to get the documentation we need to show that the account has been closed and satisfactory due to bankruptcy. Bank of America tells us there is no lien and the account is closed and there is no money owed. The title company says there is a lien on the house for approx {$7000.00} from the Bank of America. The house has been sold since XX/XX/2023 and the money from that sell is still with the buyers bank due to this issue. I cant moved forward because of this. 

Since XXXX, my lawyer, my son and I have faxed the legal department 3-4 times a week with no response. 

On XX/XX/2023 I called Bank of America again. They proceed to say there is no amount due, the account is closed and satisfactory due to bankruptcy and they can not provide any documentation saying that, it must come through their legal department. They said we need to send a fax to the legal department to get the statement we are requesting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( ETFA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am not liable for debt with this company. This debt is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal eviction. Chase and XXXX XXXX XXXXXXXX account freeze
Product: Debt collection

TLRA are constantly trying to collect debt that CHRISTUS XXXX XXXX says I do not owe
Product: Vehicle loan or lease

I had a repossession on my credit report. They told me if I pay it in full they would take it off so I gave them {$7000.00} almost 6 months ago and its still on my credit report.
Product: Credit card or prepaid card

My HSN Credit Card was sold to Synchrony bank. Soon as Synchrony got my account the reduced my credit limit from {$1400.00} to {$180.00} without informing me or sending any notifications. My credit score dropped drastically because of this. My credit card utilization went through the roof and I was no longer able to make large purchases. I send them letters, emails and even called them. They were not willing to work with me.
Product: Credit card or prepaid card

i got an e-mail showing somebody trying to open a checking & savings account in my name with bank of america. i have a credit card with them, i called there fraud dept. with the # on back of the card. i talked with XXXX, i told her that was not me trying to open those accounts, she said she would start a fraud report, and gave me a number # XXXX. we then both looked at my card info. at the time i reported this prob. i had a positive bal. of XXXX, my sec. and i both paid the bill.i asked to get that back XXXX said they would cut a check and mail it. when i reported the problem my acct. was ok. couple of days later i checked my account and found i owe XXXX i called bank of america again, i was on the phone from XXXXXXXX to XXXX XXXX bounced from one agent to another all i got out of them was they closed my cc account.they then sent me a letter saying they are not respons. for anything. i owe themXXXX. i then tryed again to talk to them about it, i got a 2nd letter same answer. so here i am?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and the other two burus is reporting an old XXXX XXXX  account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Product: Debt collection

Company is showing a medical account XXXX XXXX {$320.00} which is a HIPPA Violation.
Product: Debt collection

Hello my name is XXXX XXXX XXXX. And I have a balance of {$460.00} in Debt. The fraud Happen when I was XXXX. Im now XXXX and cant get into my low income apartment because of this identity theft. I am a single mother of a XXXX old boy. Ive lost my information when I was XXXX moving around to find shelter. I had a hard life. So now that I can finally have a place to call my own home, I cant get into my apartment because of this. The Agency for the apartment looked into my credit and found this balance and denied me but they are willing to give me a second chance to fix this problem. Can someone please get this off of my credit report so that they can redo my credit report check so me and my son can move into our new home. My number is XXXX Please contact me for any other information or questions please and thank you.
Product: Mortgage

Shellpoint has lied to me and to the CFPB for years now stating that they have approval from the investor of this loan to review me for an assumption and modification because I am not an original signor on the note but was awarded the property in my divorce decree and a XXXX, which makes me the successor in interest. Now, they have dual tracked for about the 100th time and even though I have a letter from them stating otherwise, there is a foreclosure sale date on my house. Shellpoint has been unfair, deceptive and abusive through every step of this process that has dragged on for YEARS!
Product: Credit card

Called CitiGroup today to see about getting a lower APR on my Sears credit card. Was told that they could not lower the APR from the current 25.49 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several disputes letters to XXXX and Equifax informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my XXXX and Equfax report immediately : EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX 's nor Equifax 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I received your response letter and thank you for sending that information. After reviewing the documents you sent me its clear that you dont have any documentation to show that I owe YOU or that YOU have the authority to collect from and I WILL NOT BE PAYING YOU! This proves nothing and if this account is not removed from my XXXX, XXXX, and XXXX XXXX reports expeditiously I will move for with my legal claim. This is your final notice that I will not be paying you for this debt as you have NEVER contracted with me and XXXXResurgent Receivables has no authority to collect anything from me.
Product: Credit card or prepaid card

We contacted Chase because of a lost job and difficulty paying the bill. It wasn't actually Chase as it turns out, it was a collection agency, however this was not disclosed. They set up what they called an " installment '' loan. They indicated that if we paid {$130.00} per month till the card was paid off they would not charge additional fees and interest. We set up automated payments, and paid {$130.00} a month for many years. We have a bank statement verifying that no payments were missed ( attached ). When the bills just kept coming and coming we called to find out why. They said that we missed a payment so they cancelled the installment loan. An account of all payments was requested from " Chase '' ( actually a collection agency representing them ), and we requested they send it to the mailing address on file ( not the PO box ), and the address was confirmed. We requested they stop sending mail to the PO box as we never authorized that the address be changed ( this resulted in us not receiving bills for many months ). We know that this account has been overpaid. We need to see an account of all that was paid as it appears they have over-billed and currently we are owed a refund. We believe we were deceived.
Product: Checking or savings account

I filed Disputes for items.not received with revolut bank and they refused to honor the dispute. Instead they closed my account and sent me emails saying they could not dispute as the account is closed.
Product: Student loan

Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Transunion multiple letters on XX/XX/2021 to verify debt on accounts. Its been over 30 days with no response from Transunion per FCRA they have to remove negative reporting accounts from credit file as its been over 30 days since letters have been sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Student loan

I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with XXXX XXXX XXXX was included in a chapter XXXX bankruptcy. In XXXX BK was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that XXXX XXXX XXXX had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called XXXX XXXX XXXX, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX point decrease in my XXXX and a XXXX point in my Transunion. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.