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

Paypal placed a limitation on my account after linking my bank account and credit cards. They are requiring a photo ID to lift the limitation. I do not feel comfortable sharing my ID with Paypal, so I requested that they close my account. 

They refused to close the account unless I submit a photo ID. So I'm back where I started. 

I'm unable to remove my bank account or credit cards from the account. I'm told that because of the limitation Paypal considers the account closed, however, anyone is able to mistakenly send money to the account. I've attached a screenshot of the activity still allowed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXDate Opened : XX/XX/2017 {$0.00} Repossession XXXX  XXXX Date Opened:XXXX Balance Owed : {$10000.00} Charged off
Product: Checking or savings account

I went into truist bank in the area i am located and i tried to open up a business bank account at wt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB XXXX told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Product: Credit card or prepaid card

I have a credit card with Capitol One. I do not use the card. The card has an annual fee. The fee came due but I did not know because I do not use the card. Capitol One reported me 60 days to the three credit repositories, ruining my credit. I called them immediately upon discovery. I immediately on the telephone paid the annual fee. They immediately waived the late fees. I requested that they reverse all negative reporting of the event to the bureaus. They agreed to do so. I spoke with XXXX, employee # XXXX on XX/XX/2018. She agreed to eliminate the negative reporting using a rapid resubmittal in 2 days and send me a letter. It is now XX/XX/2018and they have failed to update my account with the bureaus. I called them today,XX/XX/XXXX After 45 minutes I spoke with supervisor XXXX in XXXX Florida, XXXX. He stated that XXXX had submitted a " dispute '' to the bureaus but it takes 60-90 days for this to be processed. I told him this can not be true, that the creditor can not retract information more swiftly. I asked for his supervisor but he refused to allow me to speak to his supervisor.

Key points : Capitol One should not be able to charge a late fee for an annual renewal fee. If the consumer does not pay the annual fee the bank should close the account. Unless I borrow money from the bank and fail to pay it back according the agreement, there should be no reporting of negative information. Doing so is a consumer scam. 2. ) If Capitol One reports negative information to the credit bureaus they should retract swiftly and the process should not take 60-90 days.
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach below in attachment
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a fraudulent wire transfer of over {$7000.00} was sent from my XXXX XXXX to a Wells Fargo account using domestic routing number XXXX and an account number that is XXXX digits long. The fraudulent activity was discovered within 24 hours, and a refund request was promptly submitted due to the urgency of the matter. 

By XX/XX/XXXX, the claim process had not yet been initiated. Additionally, Wells Fargo has not confirmed receipt of the fraudulent wire transfer. They have also not verified whether they have accounts with XXXXXXXX XXXX The only information they have provided is that they are investigating the situation. It is unfortunate the privacy of a criminal means more to Wells Fargo. 

This delay and lack of transparency have caused significant distress and inconvenience. I seek immediate action to resolve this issue and recover the stolen funds.
Product: Credit reporting or other personal consumer reports

As of : Today XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : Auto Loan XX/XX/XXXX Closed Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$16000.00} XX/XX/XXXX XX/XX/XXXX 27 % {$16000.00} {$22000.00} 72 Months Joint This company has reported to irs this is a charged off account and are having this reporting on my credit.they are committing fraud under fair credit act
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their failure to properly investigate and resolve disputes regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). ** This behavior aligns with allegations in the recent CFPB lawsuit against Experian, which states that Experian does not take sufficient steps to process, investigate, and notify consumers about disputes, leading to the inclusion of incorrect information on credit reports. These systemic issues threaten consumers ' access to credit, employment, and housing. When I disputed errors on my credit report, Experian conducted sham investigations, failed to convey relevant dispute details to furnishers, and uncritically accepted improbable or illogical responses. Additionally, Experian 's notices of investigation results were ambiguous, confusing, and inconsistent. These actions violate federal law and demonstrate a clear failure to uphold XXXX obligations under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of these accounts from my credit report. If this matter is not resolved promptly, I am prepared to pursue legal action.
Product: Credit card

I had struggled, for months for Truist to take off fraudulent charges on my account and kept getting harassed. They ended up charging interest for charges that werent mine and refused to take it off my credit report even when it was interest for a fraudulent charge. Even made a payment to the account XXXX XXXXXXXX, so they would stop harassing me and I never got that money back. This company is rude and unprofessional. You can definitely look at my long payment history and find I never missed a payment on anything. Also, they have never sent me any type of paperwork for the fraudulent dispute with their company. I filed a complaint with the credit bureaus only for Truist to verify the information was right on my credit report. They arent being truthful and should remove it from my account. I have always got in connect with them about the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX  is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Product: Debt collection

IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX and also I have attached my Police Report that I filed on my local Police Department. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received an invitation to apply for a credit card from Capital One that would provide a XXXX mile bonus upon achieving a minimum spend of {$4000.00} on this credit card within a 3 month period. I applied for and received approval for this card. It took several weeks for me to receive this card and I called Capital One multiple times to follow up. Upon charging at least $ XXXX to this card and waiting a few weeks, I checked my account to see if the miles had posted. Not seeing this, I decided to call customer service and was informed that the card they approved me for did not come with the promised XXXX miles. This is classic bait and switch. This practice is very deceiving. I would never have applied for an entry level credit card without the bonus. I have excellent credit and hold other premium cards from other reputable financial institutions. There was no reason for Capital One to provide me with a card that did not have the XXXX mile bonus which was the whole reason behind why I applied for this card in the first place. Capital One can fix this by switching me to the card I originally applied for and crediting my account with the XXXX bonus miles they promised in their offer. 

XXXX XXXX should be held accountable to the promises they make and not deceive consumers with bait and switch products. Capital One should also improve their customer service by providing timely responses to concerns such as this. The claim number filed with their customer service department is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a Zero= XXXX, who is like a new born baby. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as a XXXX, and it is ruining my life plans.
Product: Credit card or prepaid card

On XX/XX/2019 our title company ( XXXX XXXX XXXX ) wire transferred $ XXXX to USAA credit service department in XXXX XXXX Texas, to pay off our USAA credit card. The purchase of our new home was contingent on this card being paid off. We had confirmation that XXXX XXXX XXXX properly transferred the funds to the correct place within USAA. After several hour plus phone calls and even attempting to escalate the issue, Even after 10 days, USAA has not resolved the issue and can not locate our money. XXXX XXXX XXXX has proof it is with them. USAA is claiming there is nothing they can do but they clearly have our $ XXXX. We need this resolved immediately since USAA is not working to resolve this issue. We were even told they cant help us on the weekends, so call back later. This after speaking to a rep for an hour!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
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Product: Mortgage

I currently have a mortgage for my co-op apartment in XXXX XXXX XXXX with Guaranteed Rate. My difficulty comes in trying to sell the apartment. 

When we close on purchase of this apartment Guaranteed Rate took possession of the original stock certificate and lease document. This is standard practice for lenders who provide financing for co-ops. 

Now I'm in the process of selling the apartment. Every step of the process of selling is complete - I have a contract and the buyer is clear-to-close from their lender, however, the closing is being held up on delivery of the stock and lease. 

The payoff attorney that Guaranteed Rate is using for this deal is the same payoff attorney my previous bank ( XXXX XXXX ) used for the sale of a previous co-op apartment that I owned. This payoff attorney is well respected and on top of sales like this. They submitted the request to Guaranteed Rate to provide the stock and lease documents on XX/XX/XXXX. 

The bank responded that it would take " about 4-6 weeks ''. This is already a long timeframe to work with - XXXX XXXX returned the documents for my previous sale much faster. I waited patiently and 6 weeks has come and gone. 

As of today it has been 8 weeks and 2 days since the original request. As I understand banks are under no obligation to return the documents in a timely manner - theres no stated deadline they have to abide by? It seems unconscionable that they can delay the sale by not acting quickly to return the documents. 

This delay is causing real and potential damage. The longer this delay persists the greater risk the deal is put in. I have until the end of XXXX until the contract expires, but even up until that point there is always the chance for an unlikely event to cause the entire deal to collapse. 

The real damage Im incurring is the cost of the loan Im still required to pay until the sale is closed. Every day I pay {$48.00} in interest to the bank, and {$51.00} to carry the maintenance and utilities for the apartment. 

As of the day of this complaint ( XX/XX/XXXX ) Ive paid {$1900.00} of non-principle carrying costs due entirely to Guaranteed Rates failure to return the documents needed to close on this apartment. {$920.00} of which has directly enriched Guaranteed Rate in the form of interest on my loan.
Product: Debt collection

I just recently started getting these text messages. They are quite annoying always coming from MRS BPO , LLC, I block and delete and still comes. I won't answer because that may entail phishing or something worse.
Product: Credit reporting or other personal consumer reports

My Student loans were dischargeable in bankruptcy in 2015 only because of undue hardship. please see attachment. 

DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Balance {$160000.00} XXXX XXXX XXXX XXXX {$150000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of my credit report. The INQUIRIES, I am disputing do not relate to any transactions that I made or authorized. Please remove or DELETE THIS INFORMATION FROM MY CREDIT FILE. I dispute these INQUIRIES : XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Mortgage

I used Wells Fargo for a SBA loan in XX/XX/2018. I had two major issues that cost me {$21000.00} 1 ) Wells Fargo had many issues meeting required escrow timelines and had to extend escrow many times. We were scheduled to close for a final time on XX/XX/2018. The seller and I ( the buyer ) had signed early in the morning before XXXX XXXX. At XXXX XXXX  my commercial agent called and emailed me to let me know Wells Fargo didn't wire the funds. Unfortunately the seller had enough and wanted to cancel and keep my {$40000.00} earnest money deposit. I had to pay the seller an additional {$10000.00} to extend to the next business day. 
2 ) I signed a loan commitment letter on XX/XX/2018 that included a 2 % pre-payment penalty. I went to sell the office this year and was charged a 8 % pre-payment penalty. They changed the pre-payment penalty at the close of escrow without notifying me. We were in a mad dash rush to sign the loan docs in order to meet the XX/XX/2018 close that there wasn't time to read over the hundreds of pages. I was charged {$11000.00} over what I had agreed to. 
We are just a small family business. An SBA loan was suppose to help us but instead because of Wells Fargo, it was a expensive nightmare.
Product: Checking or savings account

On XX/XX/XXXX I used the Capital One Mobile Banking App to make two payments, one to each of my credit cards from my XXXX XXXX  acct. I noticed the next day it took my payments from my Capital One Checking and overdrafted my account resulting in two fees. I thought maybe I had made a mistake. On XX/XX/XXXX I used the mobile banking app to make another set of payments both to the same credit card. One from my Capital One Checking for {$62.00} and one from my XXXX  for {$75.00} and again both came out of my Cap One checking resulting in another fee for the {$75.00} payment. This time I paid careful attention and I know that I choose XXXX XXXX. I called Capital One and was told they would not refund the fees and I must have chosen XXXX. I know the issue is because the app made my Capital One Checking the default account a few weeks earlier when I linked it in the mobile bank app. I spoke to Summer in the credit card division and they removed the account, and when I spoke to XXXX in the digital division after she said that the account was not set as the default ( because the credit card division removed it ) and I must have chosen it to be the account I paid from. I did not. There is a glitch in their mobile banking app when you link an account and it makes it the default account and Capital One refuse to refund the fees I incurred as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get a copy of my credit report from Experian both online and by mail. 

On XX/XX/2020 I attempted to get my report online and was refused. 
On XX/XX/2020 I mailed a request for my report and included the required documentation. 
I received a postcard refusing my request for the credit report again on XX/XX/2020. This postcard contained no information about how to obtain my credit report other than a link to annualcreditreport.com ( which had already refused my request in XXXX ).
Product: Credit card

Capital One closed my account XX/XX/XXXX, they charged me late fees, and interest total amount {$300.00}, this was a credit building credit card. I sent in {$200.00}, to open the account. In XX/XX/XXXX, I sent capital one a {$300.00} cashiers check. When I called to see if they received the payment. Associate confirmed the company did receive my payment. I was told I owed {$13.00}, I havent paid the {$13.00} do to unemployment. I received a bill today from capital one stating I owe {$75.00} if capital one closed my account and I paid 95 %, of the owed amount. Then capital one cant charge late fees, or any other fees. If they closed the account in XXXX. I want whatever fees that were charged to the account to be reversed and the {$13.00} still owed. To be forgiven for being less then {$20.00}