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

On or about XX/XX/XXXX, I opened a checking account with Capital One in response to a promotion whereby if I had two direct deposits of {$250.00} or more within the first 75 days from opening the account, I would be credited with a bonus of {$150.00} no later than XX/XX/XXXX. I did not get the bonus and called. I was told this was because I had previously had a checking account with Capital One as of XX/XX/XXXX, and was therefore disqualified. I had no recollection of ever having such an account and checked my records. As I recall in XX/XX/XXXX I was looking for a new checking account to deposit checks by mail since my local banks were closed to walk in customers. I was only interested in checking accounts that provided postage paid pre-addressed envelopes since I do not like paying postage for deposits by mail. I reviewed a number of offers and called Capital One and asked specifically if Capital One provided postage prepaid self-addressed envelopes for deposits by mail. I was told that they did and opened an account. Shortly thereafter I was still reviewing new checking accounts online and saw that Capital One did not offer those postage prepaid envelopes. I therefore called Capital One and they confirmed they did not offer such envelopes. I told them to close the account since I had been misled. I never made deposits to the Capital One checking account, nor ordered checks, nor did any transactions. I hardly think this qualifies as having a Capital One account especially since the opening was procured by fraud. That is, I would never have opened the account had I known they did not offer postage prepaid envelopes. Regarding the bonus offer for {$150.00}, I came to Capital One in good faith and fulfilled the requirements and should be rewarded with the {$150.00}. I have been a satisfied customer until they reneged on the offer.
Product: Checking or savings account

From my XXXX XXXX account I deposited {$2500.00} on XX/XX/XXXX, {$1700.00} on XX/XX/XXXX, {$2500.00} on XX/XX/XXXX, and Unemployment benefits {$960.00} on XX/XX/XXXX, All INTO MY PERSONAL safe advantage BANK ACCOUNT ending XXXX with Bank of America. On XX/XX/XXXX I noticed that My Bank account was closed. When I tried to log into my account online. I called Bank of America a representative stated that they put my account into risk closure and said they will not give me any further information of why my account was closed and that they are just ending business relationship with me. I was shocked given the fact that I did not give them a reason to close my account in the first place. I had a total balance of {$7800.00} in my account at the time of closure. I needed my money for the next day to sign a lease to get my business up and running again. I told the representative that I will like to go to the branch the next day to withdraw my funds. She said she would put in a request but there is no guarantee that I will receive my funds. At this point I am livid and filled up with anxiety. I had worked really hard to save up that money, and I feel like Bank of America is trying to steal my Money. She does not give me any details on why and the supervisor said the samething. Then the next day on XX/XX/XXXX I go into the XXXX NY Bank of America branch and speak with a manager there. She calls the back office to release the funds available in the account. The back office refuses to release funds they explain to the branch manager that the account is in risk closures and that the funds must be analyzed by an analyst before they can be released. 

This has caused a huge Inconvenience for me and I am very nervous that the bank will not give me my money that is in the account. I ask that you please contact the bank and have them release my funds to me. We are in a pandemic. And to do what bank of America is doing to people during this time is not only criminal but very very unethical. They show no remorse or care about people 's lives they damage. They never even notified me before closing the account they just closed it without warning or explanation. 

The numbers i called before going into the branch were : XXXX and XXXX. The Branch I went to is located at XXXX XXXX XXXX, XXXX, NY XXXX. Phone number XXXX. 

I beg of you to please help me with this matter. I don't know what else to do.
Product: Mortgage

On XX/XX/year> I initiated a call to Newrez Escrow about my unusual high escrow payment. I was told by the representative that they would do an escrow analysis. After waiting a month to hear from them, I called again on XX/XX/XXXX after receiving my yearly escrow report which RAISED the amount even more ( now over XXXX pet month ) for XXXX in escrow. Now the representative on the XX/XX/XXXX call said the XXXX request was never put in, but she would request one on XXXX XXXX. Now here we are on XX/XX/XXXX with NO ESCROW ANALYSIS!
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Account Lease # XXXX, and XXXX XXXX XXXX XXXX Account Number : XXXX have violated my rights. 

15 U.S.C section 602 A states I have the right to privacy.

15 U.S.C 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have made a Zelle transfer from my personal checking to a buisnsss checking account on XX/XX/2019 for XXXX. This money is still not in the receiving account or been refunded to the delivering account. I have contacted both banks and Zelle and we have had no luck at receiving back our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the laws that are put in place to help individuals like myself to fix any problems dealing with credit. So I tried reaching out to get things off of my credit I just seem to get ignored constantly. So, XXXX XXXX XXXX refuse to take the information off of my credit. Me as the consumer, I did not take out a loan which they are trying to say now it's in my credit, Santander Consumer has inaccurate information on my credit and refuse to remove it. All of the hard inquiries should not be on my credit after I disputed them. 15 US 1681 states that I have the right to remove all negative things from my credit and that is a violation to the law. And I did not give permission for negative items and inquiries to be on my credit, and my credit was pulled without my permission. I need this problem resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed that a bankruptcy is being reported on my account. I have contacted the credit reporting agencies to get this information removed with no resolve. I am disputing this derogatory information as it is harmful to my personal report and because I never gave my consent to share this information to my my report.

15 US Code 1681 b Permissible Purposes of Consumer Reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

The consumer reporting agencies are violating my consumer rights.

They stated that the information was acquired from a third party source and shared without my consent.
Product: Bank account or service

I have had a Paypal account for over a decade and use it for a variety of purposes. Three months ago, Paypal froze my account ( and withdrawal ability ), which contains {$1300.00}. I emailed their compliance department, but my request for the funds was denied. 

I have been using one of their products, MyCash, for over a year, in order to fund my account. Paypal 's TOS states that MyCash can not be " withdrawn to a bank, online bank, ATM, or prepaid card. '' I have followed this policy, and have challenged them to find a counterexample example in my transaction records. 

However, Paypal has not cited any example ( despite my request ) of how I violated their policy -- so I am completely in the dark! In addition, the contact information in their email to me appears to not lead to the right department. When I have called them ( twice ), they have given me scripted responses without any investigation. I believe I am entitled to a proper, respectful, and reasonable response as they are holding {$1300.00} of my money and not returning it. 
-- -- -- -- -- -- My email to their compliance department : Paypal Customer Service instructed me to email you in order to resolve the above case -- I 'd like to get more information about why the account has been limited and what led to the restriction. My basic understanding is that Paypal My Cash is to be used for Retail transactions only. I am certain that I followed this policy and need this case to be examined. 

1 ) Are there any specific transactions that were against Paypal policy? If so, can you please list these transactions? 
2 ) My account balance is {$1300.00}. This amount has been restricted for 77 days. When will these funds be available for withdrawal? 
-- -- -- -- -- -- Their response : For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. Below is part of the email that was sent in regards to the use of the My Cash product. 
We 're not sure you 're aware but it appears the MyCash has been used for deposits to your PayPal account, and those deposits have been withdrawn to a bank, online bank, ATM, or prepaid card. The MyCash feature is for making deposits to your PayPal account for retail purchases. If we continue to see this activity of using the MyCash with your PayPal account for cash withdrawals, we may have to limit or close your PayPal account. Unfortunately due to the continued use of the product as aforementioned, your account has been limited. 
Money in your PayPal account will be held for 180 days. After 180 days, we 'll email you information on how to receive your funds. 
We regret any inconvenience this may cause. 
-- -- -- -- -- --
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts listed on my credit report, and I have no clue how this even happened. I checked like I normally do, but suddenly, there were inconsistencies that made no sense. I even refreshed the browser, thinking it could be a glitch, but the errors remained. I'm really disturbed by this and want the documents I've sent reviewed carefully so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Product: Debt collection

USI Solutions, Inc has contacted me several times between XX/XX/XXXX and XX/XX/XXXX. I have requested a copy of the signed note and was refused each time. Three times I was placed on hold and hung up on. XX/XX/XXXX I again requested proof and was accused of playing games and stalling. I was offered my social security number as proof. During repeated attempts to be cordial I was berated for my age, maturity, character and being bitter about a previous relationship. I then asked for transcripts of the conversation we had been having and was also denied. After a few futial attempts in my requests and being placed on hold six times I was connected to a Manager. The self declared manager also refused proof and transcripts of our conversations. It was after going around a few times in my request that I hung up.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX 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.
Product: Debt collection

HI CAINE & WEINERXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX.
Product: Checking or savings account

Two days ago I logged into my bank account ( Bank of America ) and saw that I had an overdraft of XXXX. It doesn't make sense, because there was nothing that had to be collected or that I owed, because I had already paid the things that I was supposed to pay. I called the bank, told them the situation and they told me that the overdraft occurred because of a payment I made that was charged later when I had no money in the account, nothing the bank said makes sense because that supposed payment that they say occurred does not appear anywhere, not in my account statements or anywhere else, there is no proof of what they are saying since all the payments I made on Friday, XX/XX/XXXX were charged that same day and not later, after that I put money back into my account, used it and was left with {$1.00}, so it doesn't make sense for the bank to tell me that something was charged that had already been made effective, basically the bank robbed me, they overdrawn my account by XXXX and they don't want to help me resolve it, because I know perfectly well what I had in my account and what I didn't, and I didn't have any pending payments. I need your help to resolve this injustice, please.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matte.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and Experian. XXXX ref # XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681. 
XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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.