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

Hello. I have a personal account with PayPal and have a balance of over {$60000.00} in my account currently. PayPal notified me the other day that I am no longer allowed to do business with PayPal and that they would be freezing my account for 180 days. I do not use PayPal to sell anything -- it is an account I use to buy things online, buy groceries, pay bills, rent, etc. My husband sends his profits ( post-tax ) from his business account to my account. The fact that they are holding my balance for 180 days seems cruel considering we are still in the middle of a pandemic. I have always been in good standing with PayPal and have never had any issues -- this happened abruptly and without warning. I have since spoken with PayPal multiple times, but they won't give me specific details on why they made this decision. Now a large portion of my money is frozen for 180 days. I no longer wish to do any business with PayPal, but I need my money back sooner than 180 days. Please help.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 604, a permissible purpose is required for any inquiry. These inquiries were made without my authorization, violating my rights under the FCRA.

I request that these inaccurate inquiries be investigated and removed promptly. Such unauthorized entries harm my creditworthiness and financial standing. Please ensure all necessary steps are taken to correct this matter and hold the responsible parties accountable for non-compliance. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

We entered in a trial modification agreement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX each month payments in the amount of {$320000.00}. Instead of the three ( 3 ) payments they said on the offer they us to continue until we received the final documents so that we would not be in arrears. 

Even though we did not receive our documents to sign until XX/XX/XXXX, the documents are dated XX/XX/XXXX. After the execution of the documents the payments were : {$3100.00}. We made the payments, but we realized that what they said was owed was not right and how were all of the trial payments credited to my account? 

Every statement that was sent to me stated that i was in arrears? I have a statement that shows that I had a suspense amount on my statement of {$4800.00}, I still do not know how that amount was applied? 

We are making payments every month, it seems as though the more payments we may the more the statements say that we owe? 

When we call SLS it is going around in a circle, they put you on hold and then you get a lecture from a representative about not being able to afford the mortgage. 

They change the payments without your knowledge???? 

We want our mortgage current but we need your help to sort this out, trying to get someone in this company to clarify this issue does not work. 

Please help us.
Product: Money transfer, virtual currency, or money service

I was offered by PayPal to convert my personal account into a business account. After taking my first payment PayPal then froze my account requesting documents to prove the legitimacy of my business which I did. They then refused to release my account after providing all documentation proving the authenticity of my business. I then requested that they return my account to a consumer account and the still refuse to do so. This has affected me both personally and business wise. If they needed proof which was provided before converting my account the time to do so was before converting my account not after I began taking payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX XXXX XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, XXXX and TransUnion to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.
Product: Mortgage

Back in XX/XX/XXXX I began the process of selling my home. I have a FHA assumable loan and the buyers are purchasing under this option. 

It is now XXXX of XXXX, the contract has been extended twice, and we are still no where close to closing. The buyers will not extend again. 

The communication with Freedom is a disaster and they do not have any sense of urgency to get this transaction closed. Prime example : I called last week and was told by the processor that the buyers and myself would be updated by Wednesday XX/XX/XXXX. This did not happen. When I spoke with the processor he told me, today, that a new processor has been assigned and she will reach out to the buyers with an update. 

This has been the story from Day 1, starting XX/XX/XXXX. I had to file a previous complaint just to get them to contact me to start the assumption process. That alone took 3 week just to get someone on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint regarding an unresolved international wire transfer from XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX Despite multiple attempts to resolve this issue with the banks involved, I have not received satisfactory assistance or resolution. 
Details of the Transfer : Date of Transfer : XX/XX/XXXX Amount : {$25000.00} USD Sender : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Message Reference : XXXX XXXX : XXXX Issue Description : The funds were sent from XXXX but were not credited to the recipient 's account at XXXX XXXX. 
According to the XXXX XXXX, the payment was rejected by XXXX XXXX ( XXXX ) on XX/XX/XXXX. 
XXXX has sent several inquiries through the XXXX system to determine the status of the payment, but JP Morgan Chase XXXX XXXX XXXX  ) has not provided any response. 
I have contacted XXXX XXXX and Chase multiple times, but they have ignored my inquiries. 
I have reached out to XXXX ( Office of XXXX XXXX XXXX ) twice ( XX/XX/XXXX and XX/XX/XXXX ) to verify if the payment was blocked due to sanctions. XXXX confirmed that my transfer was not blocked, ruling out any sanction-related interference. 
Attempts to Resolve : Multiple contacts with XXXX XXXX and Chase Bank ( dates : XX/XX/XXXX, XX/XX/XXXX ) XXXX inquiries ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX XXXX inquiries to JP Morgan Chase Requested Resolution : Locate and release the funds to the intended recipient 's account. 
Provide a clear explanation of why the transfer was rejected and why it has not been resolved. 
Compensate for any fees or losses incurred due to this prolonged issue. 
I kindly request the CFPB 's assistance in resolving this matter and ensuring that the banks involved provide the necessary information and take appropriate action to complete the transfer or return the funds. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to XXXX XXXX and TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Vehicle loan or lease

We have an issue with XXXX XXXX XXXX XXXX failing to complete a lease buyout. It's been over 90 days and we do not have the title for our car. 

We made the buyout payment on XX/XX/XXXX, and uploaded the Odometer Statement on XX/XX/XXXX, as instructed by Kia Finance America. 

We received the bill of sale for the transaction from XXXX XXXX the week of XX/XX/XXXX but no title for the car. We waited a few more weeks hoping to receive the title, but it never came. On XX/XX/XXXX, we called KIA Finance of America and opened a case ( # XXXX ). Over the next 5 weeks, we called KIA Finance America multiple times, but no one was able to solve our issue of the missing title. 

Feeling hopeless and lacking faith in Kia Finance of America, we reached out [ over the phone and in person ] to the California DMV. The DMV agents informed us that there is still a lien on the vehicle and they had no correspondence from Kia Finance of America since early XX/XX/XXXX. Assuming the original title was lost, the DMC agent provided instructions for completing form REG 227 to release a lien on the vehicle that Kia needed to fill out and notarize. 

On XX/XX/XXXX, we called Kia Finance of America again, uploaded the DMV form to the Kia Finance of America website, and shared the instructions for filling out the form ( including the requirement for notarization ). We spoke with a supervisor who promised to send us the completed form in three days. 

As of XX/XX/XXXX, we have not received the car 's title. We called Kia Finance of America yet again, only to find out that nothing was done on our previous request. We opened a new case ( # XXXX ). Once again, we were asked to wait a little longer. 

This whole situation seems hopeless. We had completed the buyout to re-sell the car. We were pushed into this situation by the Kia lease contract that prevented us from selling the car to a 3rd party. This leased vehicle could only be sold to a KIA dealer. We went to the XXXX Kia ( XXXX, CA ) Dealership to do just that, but their salesperson lowballed the price at 25 % below offers we already had from XXXX and other local dealers. Seeing no other option, we committed to buy out the lease with plans to resell. 

We need to sell this car because this was my husbands car and he was diagnosed with XXXX ( XXXX XXXX ) on XX/XX/XXXX. His physical state has degraded and he is not fit to drive and quite frankly we need the money. Please help us complete the buyout and take ownership of the property weve already paid for.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recently pulled my credit report again and noticed items that were marked in my identify case are still reporting. I will upload a identify theft report, lease, an social security card for more accurate update. I have incorrect name, address and employers. My only name is XXXX XXXX. My only address have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. I have serval accounts connected to inaccurate information on my credit report. which in violation my FCRA NO. XXXX rights.
Product: Credit card

I be getting denied with this company for a credit card there are discriminate against me regardless of every precautions I take to get a credit card Citibank bank is very discriminate against me
Product: Debt collection

Hello Portfolio Recovery, Cease and Desist all contact by phone. 

I've already asked you to cease and desist from calling XXXX and you called again XXXX. 

This alleged debt was satisfied years ago via garnishment please see attached court documents. 

You can contact the UT courts directly and request documentation, I have provided the case number located on the court document. 

Consider this a formal dispute. Only reply to me from this point on, in writing. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items are inaccurate for several reasons. Some accounts contain incorrect details that do not match my records, while others are entirely unfamiliar to me and should not be reported under my name. Additionally, some of these items lack proper verification, meaning they have been added to my report without substantial evidence of their legitimacy. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be 100 % accurate and verifiable.

To resolve this matter fairly, I request that all inaccurate items be permanently removed from my credit report. If the reporting companies can not provide legitimate proof confirming the accuracy of these items, they must be deleted immediately to restore the integrity of my credit profile. I expect swift corrective action to ensure my report reflects only truthful and verifiable information.
Product: Student loan

I requested that EdFinancial update my status on my student loan account to in school. They refused telling me that the school did not up date my status on the XXXX XXXX XXXX data base. Keep in mind this same lender processed a student loan for disbursement to me in summer of 2024. I received a loan on XX/XX/year> and XX/XX/year>. So, tell me how can they disburse a student loan for me if I am not XXXX XXXX in school. 

The last representative I spoke to told me to get a form completed by the school. Keep in mind, they could not tell me who needed to complete the form, but to get it completed. I explained to them that I was in XXXX XXXX XXXX and I had no idea what to do with he form. Nevertheless, I got the form completed. 

The school indicated that Ed Financial was well aware of my school enrollment because they disbursed loans for the summer. 

I spoke with someone at Ed Financial several months ago about my student loans and I was told that they could not provide me with a deferment nor forebeance. They went on to tell me that I just needed to get on a program to pay them back. The person kept me on the phone for almost an hour just reading " scripts '' and ignoring my request. Even placing me on hold for extended periods of time. I was for a supervisor and the phone was hung up. 

I do not know what to do because I feel like they are gaslighting me on my repayment of my student loans status.
Product: Credit card

After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach has allowed my sensitive information to be stolen.
Product: Credit reporting or other personal consumer reports

This serves as my formal complaint to EQUIFAX. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Product: Debt collection

They have called my place of work multiple times after almost two months of me telling them to put me on the do not call list. I can try to have my boss pull the call log for the past two months if necessary to get them to stop calling me!
Product: Credit reporting, credit repair services, or other personal consumer reports

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : 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 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. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/scrub>XXXX XXXX XXXX the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Money transfer, virtual currency, or money service

PayPal closed my account and held my cash of total sum ( {$510.00} ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be because all my registration details were correct, And I have not been able to get help from them for weeks. But I just remembered I could file a report here as I feel they are not doing their job properly and it is affecting a great deal as I used PayPal quite frequently. My Email Linked to the my PayPal account is ( XXXX )