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

Hi, my paypal account is XXXX. Paypal claims that I had violated their policies, and froze my account for 180 days, with my balance in it. I had never violated any policies, and after multiple attempts to reach paypal, they could never explain what happened or why it happened. Even the customer service representatives seems puzzled and bewildered. And recently, after the 180 days have been up, I wanted to withdraw my balance in the account, which is about 3800 USD. To be exact, it is XXXX SGD. To my horror, Paypal had charged me XXXX from my account without authorization and claimed it is compensation as damages. 

I am still bewildered as to what violations I had committed that could possibly arise in over 3800 USD in damages. Till this date there is zero explanation from paypal, and it feels like it that I just got robbed by Paypal without any reason at all.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from JP Morgan Chase thanking me for applying for a Chase credit card. I have not applied for a JP Morgan Chase credit card. Chase did a hard hit on my credit bureau reporting, which has lowered my credit score from excellent to very good. 
I tried to call XXXX, from the corporate office at JP Morgan Chase, who is over credit cards and she will not return my calls. I have tried four times and all I receive is voicemail and I have to leave a message. 
This is a violation of reg Z, to pull credit for a credit card that was not applied for. I placed a freeze on all three credit bureaus, and informed Chase, by leaving a voicemail on XXXX 's voicemail that I did not apply for their credit card and I wanted the hard pull of credit removed.
Product: Checking or savings account

Capitol one high yield account freezing interest rates would like to be apart of class action
Product: Debt collection

I am still receiving calls from Client Services , IncXXXX despite informing them 3 times, to cease telephone communications. I requested that all contact from them be in writing. 

Despite three notifications to cease calling, the calls continue. This is a violation of the Fair Debt Collection Practices Act.
Product: Debt collection

Since 2016, I have been the subject of harassment from Portfolio Recovery Associate located in XXXX Virginia for a debt I do not owe. 

I have made several requests to Portfolio Recovery in writing for full validation of this debt including name and addresses of the original creditor, statements and contracts from the original creditor and other documents that can prove I owe this debt, but they were unable to do so. Why? because they can not prove this debt exist. In the meantime, they continue to damage my credit by reporting this false debt, which is a violation of the Fair Credit Reporting Act. 

I ask that Portfolio Recovery either prove I owe this debt by forwarding proper validation or 1. Cease collection actions on this erroneous account 2. Delete false information from all three credit bureaus. I have enclosed documents to prove my case. 

I look forward to hearing from the bureau. 

Sincerely, XXXX XXXX
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, my financial institution and zelle failed to investigate my claims adequately.
Product: Debt collection

ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.
Product: Mortgage

We would like to thanks Bank of America for repeatedly sending us several copies of the paper work they feel answers our questions. We have enough of them and don't wish to receive another copy of said paper work. However they still ( after the last 6 years ) have not answered the questions that we have asked. So the the umpteenth time we will ask the same questions. 1 ) What happened to the check from our closing on XX/XX/2015 that was missing for 11 Months!!!? According to the XXXX XXXX sheriffs office their attorney received it. 2 ) Why were they unwilling to give us a modification loan before we sold our house, when they offered us one 5 months after our closing? 3 ) Why for 11 months after our closing and monthly phone calls from us, did no one from Bank of America go looking for said payment? What are they going to do about our sever financial situation? Which happened because of a mix up caused by their attorney. 

I feel that we deserve an answer to all of the question we've asked and no another copy to the paper work they keep sending.
Product: Credit reporting or other personal consumer reports

Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Also, the following addresses are mixed up with someone else and need tpo be disputed and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit card or prepaid card

In XXXX I responded to an offer for a 0 % promotional rate for a balance transfer for one year. Payments were set up to be automatically withdrawn at the minimum payment rate. Balances from two other cards were transferred on XX/XX/2019 in the amount of {$15000.00} and I was charged a balance transfer fee of {$470.00}. The first automatic payment was incorrect and Citibank attempted to collect the full amount of the transfer. I contacted Citibank about the issue and they indicated that it was resolved and the account was set up to withdraw the minimum payments. I saw the payments coming out and thought things were all set. I recently did a review of my account and noted that I was being charge interest on the balance. I called Citibank today to question the interest charges and they reversed their earlier position and indicated since there was an initial issue with first payment that I was no longer entitled to the promotional rate. Note that at the time of the transfer there was a XXXX balance on the account and no other charges have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Dispute I have been attempting to handle this matter with Experian since 2021, as evident in prior documented CFPB complaints. Since then it has caused me significant financial harm as well as XXXX, of which i had to seek therapy. Experian has yet to provide a legal nor lawful response. Further action will be taken if Experian does not comply and will be held liable for damages. Every response has either said verified or updated with no proof that the information has indeed been investigated. Oftentimes, using stall tactics including taking up to 60 days to respond, which is again unlawful. I am demanding that Experian provide documentation that proves I am LEGALLY obligated to pay anything to XXXX, XXXX and XXXX XXXX, DEPT OF EDUCATION/XXXX Experian has 7 calendar days to provide such response or it will stand that Experian accepts that the alleged debts are not valid. Please verify, validate and document that i am LEGALLY obligated to pay these alleged debts. Experian coming back saying verified or updated does not constitute an appropriate legal nor lawful response. These accounts have been paid in full. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX the following accounts as paid in full and XXXX out the balance XXXX XXXX XXXX XXXX XXXX XXXX ( ALL ) DEPT OF EDUCATIONXXXX Accounts
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX AUTO* Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to finance a vehicle through XXXX XXXX XXXX. My XX/XX/XXXX credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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.
Product: Credit reporting or other personal consumer reports

The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Follow up Shellpoint replied letter dated on XX/XX/2022. Attached please find the posting date from XXXX XXXX Bank, receipt record, it showed that the fund of {$3000.00} had been deposited to Shellpoint company s bank account. 

Due to the time essential, and I am still waiting for the final re-finance closing date for the payoff from my lender. Since, I have paid off the {$3000.00} for the P/I payment on XX/XX/2022. 

At your convenience, I requested Shellpoint to make the adjustment and extend the final payoff date to end of XX/XX/2022. If they have any concerns, please contact me at XXXX XXXX XXXX my email : XXXX. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.
Product: Credit card or prepaid card

i have a payment date of the XXXX each month and i get paid at the end or the first so i call them to make sure im not late. they usually say ok. but i lost my phone and could not call in XXXX. im literally XXXX hours late in XXXX. ive never missed a payment but i have XXXX $ worth of fees. they told me i paid XXXX instead of XXXX so i get a late fee for that too. i was never told on previous calls and they said they remove late fees after payment is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX different letters and spoke with a TransUnion representative a handful of times trying to get unauthorized and fraudulent inquiries removed from my credit report. This is my second complaint. I have also called the consumers who in turn tell me to call the credit bureaus. Like a vicious circle of complete lack of help. The following are unauthorized and fraudulent inquiries. 
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: Credit card

I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a cashier 's check from PNC XXXX XXXX, for XXXX to purchase a car. The check was immediately deposited in my account at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, I took a cashier 's check for the exact pay off amount for the XXXX to the car dealership. On XX/XX/XXXX, a stop payment on the cashier 's check was applied to the check from PNC and all monies were cleared from my account to cover XXXX. I never got any notification from either bank about the stop payment. I realized the application when I tried to buy a scoop of ice cream on Monday XX/XX/2023. I immediately called both banks to find out what was going on. I filed a police report bc of an employee at PNC XXXX XXXX. XXXX fraud report # XXXX. I filed a complaint with XXXX, who monitors credit union activities. I have no money in my account. According to XXXX, any money deposited will go to repay the stop payment. I want the stop payment reversed XXXX I used the money as it was intended. I should not have a total " loan payment demand '', when I purposely did not take out a loan. My account should not be held XXXXXXXX XXXX of bank errors. No one talked with me about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several payments to XXXX XXXX and yet their payments will never pass through my bank at XXXX  I had to stop payment on them contacted XXXX will not work with me the case is still under investigation according to XXXX I just got off the phone with a representative and yet theyre reporting major derogatory information on my name while its still under investigation they also have a representative calling threatening to come put me in jail, lock me up whatever it is to collect this money for this credit card, when its still under investigation I have the recorded messages I have the letters from my bank for my bank is tried several times To clear this case up in XXXX XXXX refuses to work with me or my bank they would rather report me as a bad consumer Im sure you guys allow this for companies helps them not me its destroying my credit and yet all my other cards are being paid through XXXX  in the same manner Im tired of being harassed by their phone calls every day XXXX times they call back for XXXX times numerous throughout the entire day. They make sure they call XXXX times back to back before they hang up.
Product: Credit card

MY CREDIT CARD COMPANY WILL NOT GIVE ACCESS TO MY ACCOUNT. I I NEVER RECEIVE PAPER STATEMENTS TO CHECK ACTIVITY I HAVE TRIED TO REPORT {$3100.00} IN FRAUDULENT CHARGES THEY WILL NOT ACKNOWLEDGE OR RESOLVE THEY WILL NOT PROVIDE ME WITH ANY STATEMENTS THEY WILL NOT GIVE ME ACCESS TO ONLINE ACCOUNT THEY HAVE REFERENCED XXXX DIFFRERENT ACCOUNT NUMBERS WHEN SENDING EMAILS. 
I AM NOT ALLOWED ACCESS TO ANY OF MY INFORMATION. 
THEY APPROVED UNAUTHORIZED CHRGES MADE OUT OF COUNTRY WILL NOT ANSWER ANY OF MY QUESTIONS REGARDING MY ACCOUNT THEY RE-OPENED CLOSED ACCOUNT WITHOUT MY KNOWEDGE HAVE OPENED NEW ACCOUNTS WITHOUT MY APPROVAL IGNORED ATTEMPTED CHARGE DISPUTES WILL NOT PROVIDE ME A TRANSACTION HISTORY WILL NOT ASSIST WITH ACCOUNT LOGIN INFORMATION DID NOT RED FLAG SUSPICIOUS ACTIVITY