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

I opened a paypal account in XXXX XXXX. I sold 1 police/fire scanner and 2 ham radios. It was a total of XXXX that was deposited into to my paypal account. Then tried to withdraw the first amount to be avaliable and had to wait 72 hours. Then account was limited. They requested documentation to remove limitation. 

1 ) drivers licence 2 ) explaination of items and why I sold them 3 ) copies of receipts for sold items. I purchased these items legitiamitly and they are my personal items that i no longer have a use for i explained to them numerous times. A complete runaround. 

I supplied them with all requested documents on XXXX XXXX XXXX. As of XXXX XXXX XXXX my account is still limited and funds are still on hold with no access to them. 

I have called 4 times and you always get told it is going to there back office. You can not talk to a person in there back office to resolve this problem.
Product: Checking or savings account

not sure how cybercrimes are handled but it's out of my paid grade but FTC and police reports satisfy my claims so if wells Fargo and XXXX XXXX knows more then them why haven't they caught the individuals or individual maybe Wells Fargo bank should read the laws on FDIC and insurANCE AND XXXX XXXX UNDERSTAND ON CREDIT LAWS THAT I HAVE SATISFY THE CLAIM BY LAW
Product: Bank account or service

On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my XXXX Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a XXXX complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit buearu refuses to delete any hard credit inquiries I have disputed that are listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX XXXX  and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX XXXX and XXXX is not reporting, Equifax is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CITIBANK NA., BEST B on XX/XX/2021.
Product: Debt collection

On XX/XX/2023 I received a letter from Stillman Law office stating they were contacting me about the debt I owed on one of the private loans I obtained from XXXX XXXX. 

I proceeded to obtain a Debt Verification Letter template from the Consumer Finance webpage : https : //www.consumerfinance.gov/. This letter asked for all possible verifying information on my debt. I sent this letter to Stillman Law Office through certified mail on XX/XX/2023. In my letter, I requested they back to me within 30 days and they have failed to do so. 

Since XX/XX/2023 I have not received any mail, phone calls, or other forms of communication from them so I have no idea where my debt is or where it stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below 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 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 have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

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

I am a victim of identity theft and the inquires listed below are a result of the identity theft XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; Personal Loan XXXX  originally $ XXXXPaid balance of {$3300.00} in full ( always paid by auto debit never late ) 2 : 4 credit cards total paid : {$2700.00} 3 : XX/XX/XXXX XXXX XXXX XXXX XXXX Paid in Full {$10000.00} COMPLAINT 1 : Equifax : XX/XX/XXXX : XXXX points Pay off XXXX  XXXX  {$10000.00} XX/XX/XXXX + XXXX points Decrease XXXX XXXX  {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The Equifax web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE XXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH EQUIFAX THE FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX Decrease Credit card balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON XXXX  SITE AND THERE IS NO OTHER WAY TO CONTACT XXXX FILE A NEW DISPUTE XXXX  PAID OFF XXXX  IN FULL XXXX POINTS the same applies here as all of the above
Product: Student loan

So I though things were clear in the phone 2 days ago but this is why I dont deal with them over the phone and will gladly deal with them going forward on here.. 

1. It is not only not ok but it also is their responsibility to update payment and terms correctly and accurately 2. They took me to court for XXXX XXXX XXXX in XXXX. Thats one agreement which was for a different monthly payment 3. They took me to court again XX/XX/XXXX for the same student loan with a different monthly payment agreement .. let the court documents show a factual reflection minus the incorrect control numbers that should be on a court document 4. On the new court document the XX/XX/XXXX date is written and stamped 5. So clearly its a different agreement if there is a different monthly payment amount for XXXX XXXX XXXX Now what I wont have is hearing one thing on the phone and one thing in writing so this is our new form of communication cfpb
Product: Mortgage

I was notified that PHH mortgage Services would be my new servicer as of XX/XX/XXXX ( PHH Mortgage Services XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. ) My loan number with them is XXXX. I called PHH prior to XX/XX/XXXX to ensure that they would handle paying my township taxes out of the escrow account as they were due by XX/XX/XXXX in order to get the 2 % discount. They confirmed that they would pay the taxes out of escrow. On XX/XX/XXXX I received a delinquent unpaid tax reminder notice from my township stating that the township taxes were not paid. I then called PHH XX/XX/XXXX and spoke to XXXX to inquire about why my taxes were not paid when I was told they would be, he said they would look into it. I was told by PHH that my escrow account was only set up to pay my insurance, not taxes. On XX/XX/XXXX, I spoke to PHH again and they admitted that when I refinanced my home on XX/XX/XXXX the closing documents said escrow was to be set up to pay taxes and insurance, and that this should have carried over when PHH picked up mortgage. Finally, they said they will pay the taxes but could not promise that it would be paid by XX/XX/XXXX. I have gone back and forth with PHH since XX/XX/XXXX multiple times per week to inquire as to why my taxes have not been paid. As of early XXXX, PHH is saying that they will not pay the taxes because they are disputing a {$15.00} certified payment per year with my township. It is now XX/XX/XXXX, PHH called me today and said " the tax department left a message with XXXX XXXX and has not received a call back '' so he called with no update once again. The township taxes are still not paid and it has been 2 months since I first contacted PHH regarding this issue. About 2 weeks ago they performed an escrow analysis on my account without my knowledge and then sent me an escrow overage check in the amount of {$1900.00}, which I will have to use to pay my delinquent taxes. My XXXX school taxes are due by XX/XX/XXXX and I am concerned that they will not be paid either. PHH has not provided me with any solid updates and no progress has been made on this issue since early XXXX. I want PHH to be responsible for the 10 % late penalty and for them to reimburse me the 2 % discount. I have exhausted all of my options, emailed and called to speak to escalations managers several times and I am getting nowhere. I asked them multiple times on recorded lines to only communicate via email and they have refused, instead continuing to call me 2-3x per week with no real updates. Please advise on how to proceed because I am getting nowhere with this company and I am disgusted with their level of incompetence. Attached are relevant tax documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no Bankruptcy!!!! Please remove
Product: Debt collection

CBSA has violated my consumer rights. The organization never verified the debt nor did the company provide any agreement that proved that I owe the alleged debt. I have requested a cease and desist order of all communications. Reporting any information to my consumer report is considered communication according to the fdcpa. CBSA shall remove all of my information from their records and all consumer reporting agencies immediately.
Product: Debt collection

I have attempted to verify the debt with the original creditor because when i asked for verification of the debt from Trident Asset management I was only provided with a computer print out of something I have never seen before. I contacted XXXX who trident said is the original acct holder and was given the acct number XXXX. XXXX said they do not have any acct with that number or even with my social security number, XXXX said to contact XXXX communications because XXXX sold the company to them. I contacted XXXX 's customer care, collections, retention, and escalation department. they attempted to locate any account using my name, my social security number, old address, old phone number and the acct number that was given to me by trident. trident has refused to verify this acct and only sends me that computer generated paper. they have not provided me with anything that proves the said debt is mine. I have also submitted a power of attorney to haven services to try to resolve this on my behalf, trident has been avoiding their calls and when trident does pick up the phone for haven services, trident puts them on hold and hangs up or say they did n't receive the power of attorney. the person i spoke to at trident confirmed that they indeed had the power of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX hippa violations all of them XXXX XXXX inquires ftc violations not mine XXXX XXXX XXXX ftc not my address names not mine XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX, I have sent 8 faxes to Equifax with an FTC report, a copy of my driver 's license, and my social security card. I have called more than 5 times for them to remove all the fraudulent inquiries that are on my credit report and all they do is NOTHING. Here is the list of all of them : 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
Product: Credit card or prepaid card

Credit card opens in my name with different Social Security number. I mix file.
Product: Credit card or prepaid card

Since atleast XX/XX/XXXX, I have attempted to make a payment through various methods on Citibank 's website or over the phone and was not able to. The system would refuse to recognize my password and would not issue me a new one, nor was I able to make payments over the phone. I believe this is a tactic by the company to assess profitable fees for their company. <P/>The latest issue started aroundXX/XX/XXXX when company had sent me a new card card, causing problems with both my log in and phone support. On or around XX/XX/XXXX, When I would try to log into their website it would erroneously say the card was not activated, and direct me to do so. It would direct me to another website to register the card, which would appear as registered. On XX/XX/XXXX, I attempted to call Citibank various times to fix this issue and make a payment. In order to verify my account, they needed to send me a text to a phone number they had on file. Unfortunately the number they had on file was not one I had provided to them nor one I recognized. During this lapse, I was assessed a late fee which the company will not credit back to my account. This was not the first time this has happened with the company due to log in and phone support issues. over the last year, they have assessed me five late fees totaling {$170.00}. After my forth call to the customer support onXX/XX/XXXX, I was finally able to speak to someone who was able to help and I was finally able to make a payment. I requested the company waive the late fee of {$35.00} they assessed to my account, since the only reason I was not able to make a payment was because of errors with both their online system and their phone support. The company has declined the late fee waiver. Although I am contractually obliged to pay the late fee, the company must be aware of this issue, and I 'm concerned this may be a tactic they use to assess more late fees on unsuspecting card card holders. I would like for the company to refund me the late fee and give me assurances that they are working to address this log in and phone support issue.
Product: Vehicle loan or lease

Got van from XXXX XXXX XXXX XXXX, CO on XX/XX/XXXX. I only had the van in good working condition for 4 months. Vehicle had warranty for XXXX miles. When I got the van, I drove home and the next day I notice the miles was wrong from the warranty contract. I asked XXXX XXXX XXXX to removed the warranty but I was told I cant but they did give me some money back. But thinking about it, it doesnt equal the amount of money it collected with interest. The reading on the contract had XXXX Miles on it but the actual miles on the van was over XXXX. 
The van transmission started acting up in XXXX, I called XXXX XXXX XXXX and told them about it. They said call XXXX XXXX XXXX, I called them and they told me to drop it off at XXXX XXXX service. I got a call from XXXX XXXX service desk, and was told XXXX XXXX declined the service and said I was out of warranty. I was told I would pay over {$5000.00} to get it fix. I didnt have the money and Covid was going on. I called Credit Acceptance and told about it. They said nothing could be done. In XXXX, I called Credit acceptance and did a voluntary surrender of the van. I paid the fee for the van and told XXXX XXXX that it was going to be repossessed and the company going to pick it up. Couple week went by, I get a call from XXXX XXXX saying the van still there and its collecting storage fee. We had no choice but to bring it back to my home. I called XXXX XXXX again, telling them the location of the van and its still parked here. I feel like they dont want to pick it up, they want to keep collecting the APR and late fee. I stop paying in XX/XX/XXXXXXXX  and to this day it shows as open and Im being charged {$15.00} late fee each month plus interest. It also has been hard for my credit, I have 41 late 120 days.