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

PayPal Closed My Account For No Reason And Will Not Help Me With Getting It Back. I'm Not Sure If This Is Some Mistake As I Assume It Has To Be. 
I wanted to withdraw my PayPal balance, so i went to the PayPal app, i login and wanted to withdraw my available balance from my PayPal app. I receive an error message that PayPal app isn't functioning for now that i should go my site browser to login my PayPal account. I went to site browser, i couldn't login, immediately i received a message from PayPal that i should change my password that they spotted something unusual, immediately i reset my password and login my PayPal account, then after 12min i received a message from PayPal that my account has been permanently Limited, and i can no longer use PayPal XXXX 
I feel this isn't fair at all that my account got Permanently Limited just because i login PayPal from my PayPal app. 
This Is Really Going To Affect Me a Great Deal As PayPal Is My Only Means Of Receiving Payment For My Business. My Email Link To My PayPal Is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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, credit repair services, or other personal consumer reports

This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I had a comprehensive insurance claim on my vehicle. The insurance company issued two checks. The first one check was already endorsed and released by the the lien holder First Bank. The 2nd check in the amount of {$1200.00} which is in the name of First Bank and myself is to pay the body work repair. The Body Work has been completed. The person who did the body work repair is still owed. I owe the lien holder the next due of XX/XX/XXXX. Due to COVID and the fact that I am a XXXX  employee, I have no work. First Bank refuses to endorse and release the check to pay the Body Shop. First Bank is demanding that I bring the account current or they will endorse/release the funds. First Bank is attempting to keep the portion of funds needed to bring the account current. 
The Vehicle is a XXXX XXXX XXXX with a payoff of about {$4000.00}. 
The Bank had originally refused to take the amount in full of the insurance to settle the debt owed on the car and for me to not fix it. Now comes First Bank to refuse to endorse the check. 
First Bank has also requested for the vehicle to be Repossed. I applied for the moratorium and First Bank has refused to work this out. 
First Bank is aware that the value of the vehicle exceeds the what is owed. First Bank is now adding additional costs, fees and legal fees. 
I demand to have First Bank be investigated for predator lending.
Product: Vehicle loan or lease

On XX/XX/2023, I purchased a car at XXXX XXXX XXXX XXXX in XXXX Ohio. The car was financed through XXXX XXXX XXXX in XXXX Ohio. I put a {$1000.00} down payment. My first payment in the amount of {$330.00} was due XX/XX/XXXX. The car was repossessed XX/XX/XXXX. I tried to make a payment and was told that I could not by XXXX with XXXX XXXX XXXX. She told that I did not have any redemption rights. I spoke with XXXX who told me that he is a XXXX who works with the Collections Department and helps make the decision as a collective to determine if redemption rights will be given. I asked him to please see if anything could be done. he said that he would get back with me. I called back later that day & XXXX said that a note was in my file that they would reach back out but it could be a few business days. I had my XXXX  call back Monday & XXXX stated again I don't have any redemption rights and the belongings inside of my car were at the XXXX XXXX XXXX XXXX XXXX  location. XXXX XXXX told us that no notice has to be sent out, i assume somebody corrected her & because she came back & said a notice would be sent out within 5 days. We had Attorney XXXX XXXX reach out to them to regarding the Ohio revised code. XXXX again stated, we have no redemption rights. My XXXX  spoke with XXXX a XXXX who stated that XXXX did not have the Authority to make those decisions. He further stated that the loan would not be reinstated and they wanted the full amount to recover the car. My XXXX explained the my contract states I have a right to reinstate the loan as well as the Ohio revised code Section 1317.12. The ohio revised code Section 1317.12 also states that they must send me a notice within 5 days of repossessing the car, stating how much it would be to cure the default, if I choose not to cure the default, what their plans are with the car, the car must be sold at an auction and publicized in the local newspaper & sold at fair market value. XXXX simply stated he doesn't know the law and I should probably get a Lawyer if i want to do anything because calling there will not solve anything. Today I see that they have my car for sale at XXXX XXXX XXXX in XXXX Ohio for {$1000.00} less than what I paid & i still not have not received any notice.
Product: Credit reporting or other personal consumer reports

I never received any disclosed information about this account reporting to such third parties such as XXXX, XXXX, and XXXX. This should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

VIOLATED 1681B- NO WRITTEN INSTRUCTIONS!!!

I do not mean to come off strong, I am just exercising my rights to OPT OUT of having my information reported per 15 USC 6802. Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete all XXXX different ED FINANCIAL SERVICES ACCOUNTS with this company from my consumer report?
Product: Money transfer, virtual currency, or money service

I am attending to add money to my Venmo balance to cover an outstanding charge however Venmo is advising that they are unable to take the funds due to an issue with my bank account and have since frozen my account. This has enabled me to not be able fund the account appropriately. I've contacted my financial institution ( XXXX XXXX  ) whom I have used at other merchants successfully and confirmed that there is no block on the account preventing the balance reload request from Venmo. Venmo then advised me to use a different account or an alternate debit card however they don't accept the debit card that I have to fund the account. Then they advised me to have a friend and/or someone I trust who has a Venmo account send money within Venmo to fund the account. This is also not possible. So they have rendered my account useless due to this. Venmo advises that I have an outstanding debt however they declined the transaction so the funds were returned and not sent to the original authorizer. So technically by process I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my FTC report, driver license, police report & SSC. I am a victim of ID theft. My privacy has been compromised. After reading multiple reports online regarding the credit these credit bureaus ignoring peoples disputes, i see lawsuits against these credit bureaus because they are not taking peoples disputes seriously so I decided to take this route. After serving 14 years in the XXXX I want to be treated right and not be treated like the people in the reports I read online. I already have XXXX XXXX and with this COVID-19 pandemic going on I dont want any additional stress. I just want the credit bureaus to take my situation serious, do their job per the FCRA so I can get my name back in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS
Product: Mortgage

I had requested PNC to remove the escrow account from my mortgage if i was eligible. PNC bank said they would charge me {$520.00} fee to remove the escrow from my mortgage. There is no provision in my mortgage security instrument that authorizes this fee. 

When I inquired about the justification for the charge, PNC Bank repeatedly changed its reasoning : Initially, they claimed the fee was specifically stated in my security instrument. Upon review, this was proven false. 
Next they claimed, the fee was imposed by XXXX XXXX XXXX XXXX though they provided no evidence to support this. 
They then changed their position again, they asserted that they could charge me any fee as long as it is not explicitly prohibited by law. 

I believe this fee is predatory and an unfair business practice. PNC Bank has failed to provide a consistent, valid justification for the charge, and their shifting explanations raise concerns about transparency and compliance with mortgage servicing regulations. 

I am requesting that CFPB investigate this matter and require PNC Bank to : Provide a clear and lawful basis for this fee with supporting documentation, or Remove the charge if no such justification exists.
Product: Vehicle loan or lease

I gave a dealership {$2000.00} down payment but they only put down {$200.00} which made my interest rate and monthly payment go high. Told them I couldn't keep up with the payments so the car got repossessed. Because of the dealership mistake I wasnt apple to pay off the monthly payments and now the car of gone, I dont have money to pay of the remaining balance the finance company is asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX XXXX XXXX TransUnion XXXX-TransUnion  XXXX-TransUnion XXXX XXXXTransUnion XXXX XXXX - TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX XXXX XXXXTransUnion XXXX XXXX XXXX -TransUnion XXXX -TransUnion XXXX XXXX-TransUnion XXXX XXXX XXXX -TransUnion XXXXXXXX XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had been investing in XXXX on coinbase. On XX/XX/XXXX I saw my checking account had been charged 4 transactions. 2 for {$200.00} and 2 for {$100.00} from coinbase. I looked at my account on coinbase and no currency had been added to my account, it was only a debit from my checking. I called my bank and reported the charges. The next day XX/XX/XXXX, they were credited back and my checking account and my coinbase account were where they should be. On XX/XX/XXXX I got an email stating because of the reversal by my bank they were taking the funds back. They then withdrew those same 4 amounts from my coinbase account leaving me with nothing. I have had multiple contactys both by phone and their email support and I get the same answer that they will assign to specialist and no one ever follows up with me. Ever.
Product: Credit reporting or other personal consumer reports

I requested a balance transfer from my bank, and it took over 2 months to actually happen, in the process they closed my account.When I called about this, they apologized, and said they closed the account due to my address change, then they reopened it, but they reported this and it showed on my credit report the account was closed. This resulted in my credit score dropping over XXXX points. I have called multiple times trying to resolve this and have them remove the reporting, to no avail.
Product: Student loan

On XX/XX/XXXX, I submitted my first student loan payment in full of {$53.00} to Aidvantage. I never got an email saying my payment was denied. I checked my account on XX/XX/XXXX, and noticed it was saying I was late on my {$53.00} and was issued a delinquent warning for my credit. I then decided to submit a new payment of {$100.00}, to cover the late amount and the same amount for XXXX. Today, XX/XX/XXXX I checked my account again, and that payment was also rejected stating, Unable to locate account. I double checked my banking information, and it is all correct, but theyre are reversing the payment. I now have two notices for delinquent warnings when I have made my payment on time and used correct banking information. I am very concerned that this will affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of human trafficking. On XX/XX/2022, I called Equifax to determine the process of filing to get a block on various tradelines due to the recent enactment of the Debt Bondage Repair Act. The representative indicated that I need to send in a photocopy of my social security card. I said I was going to send in my driver 's license and passport as identification. They said they will only accept photocopies of the social security card or unredacted W-2s or 1099s. These days, employers, schools, etc. redact the social security numbers of those documents and only show partial social security numbers on them. Surely, a passport is enough for identity verification. The law indicates that due to the difficulty survivors may have in submitting documentation, that several different pieces of documentation can be accepted by the credit bureaus. Equifax is placing an unwieldy burden on human trafficking survivors by requiring a photocopy of the social security number or unredacted SSN.
Product: Credit card or prepaid card

I got a letter stating all your Citi credit cards are closed. The reason was, too many hard inquiries. I called in on XX/XX/2018 at XXXX spoke to XXXX ID # XXXX asking why my accounts were closed she transferred my call because a different department handles that. XXXX from XXXX Call Center answered I said I do not have too many hard inquiries so the representative pulled a credit report and said she does not see anything wrong with my account and i did not have any negative relationship with Citi Bank since i have been a member and she will put in a request to open my account. On XX/XX/2018 at XXXX XXXX  I called in again because my accounts were not opened. I spoke with XXXX  ID # XXXX. She said she will put the request back to open my accounts and i will receive a reinstatement in 5-7 business days. She also pulled a credit report and stated she did not see anything wrong with the credit report. I followed up on XX/XX/2018 at XXXX XXXX  spoke to XXXX she stated the request is still in process and will send an email to the department that handles it so they make a decision. On XX/XX/2018 at XXXX XXXX  i spoke with XXXX from credit department ID # XXXX and she stated they will not open my credit cards because of too many opened accounts ( which is not true I will attach my credit report. In my credit report you will see there was only one credit card opened in the last 3 years ). I have opened a business so I applied for few business credit cards to build my business credit. One is XXXX XXXX which is showing on my personal credit report and one is from Citi Bank because I have been a member for 13 years and I considered it my favorite bank. Citi bank does not show the business credit card on my personal credit report.
Product: Bank account or service

HelloTd bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off
Product: Student loan

I have received a letter from the Federal Trade Commission, informing me that the debt consolidator Ameritech is being sued for deceptive practices. I want to get out from this company which will harm my debt information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

After I had lost my wallet, in where I believe had to be in XXXX XXXX, Nj, someone used my card and deposited and fake check and was able to take out money.Bank of America did not catch this fake check at the time, they also took out more money from that same check days later at another bank.Bank of America still does not notify me or say nothing to me.They said the claim would take 45 days and I waited all of it and even after the time was up, they did not have an answer so a complaint was filed and they sent my case ti the supervisor.Days later they still think i deposited this check.They told me to file a police report to continue the investigation, which I will because as I said before it was not me. I cant just be blamed for something I did not do when there are video footage of whoever did this on both banks.They say they need a police report to be able to use the footage in the investigation so I will do a report .I need help as soon as possible