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

I am filing this complaint against PayPal due to the sudden and unjustified deactivation of my account and the withholding of over {$5000.00} in funds, which has caused significant financial hardship for me, my business, and my family. 

On XX/XX/XXXX, I received an email from PayPal stating that my account had been deactivated due to activity on this account that we can not process. I have been a PayPal user for 18 years and have never violated PayPals Acceptable Use Policy. My account is used primarily for receiving payments related to my freelance graphic design business. Recently, I also began using XXXX XXXX as an additional source of income, which I believe may have triggered this issue. 

I contacted PayPal immediately on XX/XX/XXXX to request clarification and resolution. I provided a detailed explanation of my account usage and transactions, including : A withdrawal of {$110.00} from XXXX XXXX on XX/XX/year> ( which was reversed ). 
Regular payments received from XXXX, including {$62.00} and {$900.00} on XX/XX/XXXX, and {$59.00} and {$770.00} on XX/XX/XXXX. 

None of these transactions violate PayPals Acceptable Use Policy, and all are legitimate payments related to my freelance design work. Despite my efforts to resolve this matter, I have not received a response from PayPal. I have also attempted to contact PayPal through their chat service and customer support by phone, but both avenues have been unable to provide any information regarding the deactivation of my account or the status of my funds. 

The funds held in my account total {$5200.00}, which are crucial for my familys support and the continuation of my business operations. This situation has caused considerable distress, and I have been left without any access to these funds for my livelihood.
Product: Debt collection

I was contacted on around XX/XX/XXXX plus or minus a couple of days by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX In regards to a large debt of some kind that I do not remember accruing this was my first contact by them so I requested the debt validation letter and copies of all original documentation from the original creditor as well as copies of all contracts I signed as of yet I have received no validation letter which the FTC lists must be sent to me within 5 days of initial contact. I called them today they gaslit me and tried telling me they had 30 days to send a validation letter and tried to get me to agree to leeway on the required timetable for them providing me documentation which I refused to do
Product: Checking or savings account

I opened a Checking account wit h Capital One  on  XXXX . I deposited  XXXX  money orders in an ATM in the next several days and used the funds to make payments on a couple of my credit cards.     Capital One put a hold, not on the funds, but on my account itself, so that I could n't even deposit more money. They did not inform me of this. I ca n't even access my account to see what 's happening.     When I tried to make a deposit on  XXXX , I was informed of this and was given a number to call. It turned out to be the fraud department, and  XXXX  asked me a couple of questions, which I answered. He then said that an investigator would be calling me.     When I called back on  XXXX , I was told that  XXXX  's notes said that I refused to answer questions about the money orders, which is 100 % not true, and that he suspected them of being counterfeit. There were also notes from an investigator named  XXXX  that he had tried to call me and I had hung up on him! Also false.     I purchased the money orders myself from  XXXX  and  XXXX  and have the receipts, so I know that they are not counterfeit and have the receipts to prove it. But no one a t Capital One care s about me, or the fact that they are holding {$1700.00} of my money, or the fact that I am now in trouble with  XXXX   XXXX  and  XXXX  Card for returned payments.
Product: Money transfer, virtual currency, or money service

I used  Paypal to s end {$25.00} to someone. It was not clear to me that credit was being extended ( I had linked by bank account ). I got emails that my account was due, but nothing to the effect that major fees were being accrued. I figured, given usury laws, the most I 'd be charged would be 22 %, so {$5.00} of fees. Today I find out that I owed  XXXX  {$35.00} fees and  XXXX  {$25.00} fee, for a total of {$95.00} of fees and charges for just {$25.00} sent. This is crazy. I called the company, and spoke to "  XXXX  '' who was rude and condescending, and basically laughed at my plight. I think Paypal is harming consumers.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : On XX/XX/2024, at approximately XXXX XXXX, I received a call from a number associated with Bank of America, prompting me to answer, as I had experienced a card hack over the past weekend and assumed it was related to that. The caller, claiming to be a Bank of America representative, informed me of potential fraud on my account through XXXX. Inquiring about the nature of the fraud, I was told that someone was attempting to initiate transfers of {$2000.00} and {$1800.00}. 
Expressing disbelief, I sought clarification on how such transactions could occur. The Bank of America representative suggested transferring me to XXXX for further assistance. Simultaneously, I decided to call back the original number from Bank of America and was placed on hold. During this time, I was provided with two cancel codes to halt the unauthorized transfers of {$2000.00} and {$1800.00}. Following their guidance, I entered the codes into my XXXX account. 
Unfortunately, the input of these codes resulted in the unintended removal of funds. Confused and concerned, I questioned the Bank of America representative about the deduction, to which they assured me it would be rectified and then promptly ended the call.

I have made two formal requests to Bank of America for the reimbursement of {$990.00}, which was withdrawn from my account without my authorization. 
Bank of America has indicated that they will not reimburse the funds, citing the inability to retrieve them from XXXX. This course of action is not in accordance with Regulation E 's Error Resolution. I kindly request assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter appropriately. 

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

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the MODPED partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

This letter is a formal complaint against CREDIT COLL ( Original Creditor : XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, payment history as it not appear in the report and payment status.
Product: Debt collection

I have been trying to get someone to listen when I say that this XXXX XXXX XXXX bill is not mine I never lived in the property they said the bill was was supposed to be. I have also been trying to get this 3rd party company to take it off my report along with all 3 agencies A third party can not report on your report and all 3 agencies are letting them do it over and over and over again. I WANT THIS STOPPED NOW. I have disputed this till I am sick of it. Legal action is next!!
Product: Debt collection

alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. Navient and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # 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: Credit card or prepaid card

I am writing this statement in regards to the fraud I had experienced back in XXXX of XXXX. From that time till XX/XX/XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. The card was a prepaid card given from XXXX working collaboration with Bank of America. I received a letter from Bank of America stating they had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. I am now currently appealing the issue from the bank but have not received a response back for several weeks now. 

Some evidence that points to fraud include the perpetrator using a fake email account to get into my bank account. The second information I was able receive access to with the help from the Bank of America employees was that the sum of money was taken out of my account and deposited to another account with the last four digits being # XXXX. Unfortunately I was unable to receive more information on the specifics of the perpetrators account but I crossed-referenced those last four digit numbers to the numbers of the only other bank account I have. This account is with the Bank of XXXX, and the last four digits did not match. 

I have been disputing this issue since XXXX of XXXX. Since, then I had filed a police report on XX/XX/XXXX, and sent an appeal.
Product: Debt collection

I reviewed a copy of my credit report and noted an entry from Allied Collection Svc that I could not apply. I reached out to Allied Collections on XX/XX/XXXX for further information and requested validation ( ex. proof that I am the owner of this debt, contract/application that I signed in relationship to this debt, statements from the original creditor including dates and amounts previously paid on this debt and not a computer-generated report from Allied containing the above information. On XX/XX/XXXX, Allied responded but did not include the above information I requested. Instead, Allied sent a letter with a computer-generated statement from Allied and not the original creditor. This is not acceptable and does not validate the debt. Meanwhile, Allied is still reporting this alleged non-validated debt on my credit report which is a direct violation of the FCRA, FDCPA and the New York State Consumer Credit Fairness Act of XXXX.
Product: Checking or savings account

I was unable to have access cash deposit from employers. I dont have access to my cash and I wasnt notified I found out about this on XXXX. Capital one issued a statement that we will have access as of XX/XX/year>. I still dont have access and the bank will be closed on XX/XX/year>. I called customer service and they couldnt tell anything that was going on or how this situation is going to be resolved
Product: Credit card or prepaid card

I checked my credit report back in XXXX, XXXX, and found out that there was an unauthorized account opened under my name with Citibank. The name was spelled incorrectly, and I have never opened another account with Citibank after XXXX. I have attempted to resolve the issue with them, however, they keep stating that the account is legitimate with a legitimate bank account attached. 
Citibank has my social security number, bank account information, and is still refusing to fix this problem, even after sending the letter of dispute, twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion Vantage 3.0 score dropped XXXX XXXX XXXX from a XXXX to a XXXX due to positive reporting history. None of these accounts have been closed and the balance decreasing typically means a credit INCREASE. I am sure this has effected my other vantage scores and all my FICO 8 scores as well and would like this to be corrected across all bureaus. This drop is incorrect.
Product: Mortgage

Caliber Home Loans, Inc failed to acknowledge that my obligation to this property was satisfied and completed on XX/XX/XXXX through the Bankruptcy which remedied all outstanding obligations. The court document- Motion to Value and Determine Secured Status of Lien on Real Property was agreed by both parties in XX/XX/XXXX without objection to a new value of $ XXXX not the value Caliber reported to the credit bureaus- {$64000.00}. The new value/debt of $ {$38000.00} was successfully paid upon completion of the plan which is demonstrated by the attachments. As a result of Caliber reporting non payments- my credit score dropped approx 42 points and my credit card closed by the merchant.
Product: Debt collection

The debt owed was from my brother who passed away XX/XX/2018 and I told ascension point that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against ascension point recovery.
Product: Debt collection

My name is XXXX XXXX The company I'm filing a complaint against IQ Data International. They have violated the FDCPA by reporting a debt to my credit without first VALIDATION, Secondly the company XXXX XXXX that they are collecting on behalf of does not have a debt collecting clause, they actually have a civil/tort clause. I sent a cease and desist and the agency refused.
Product: Money transfer, virtual currency, or money service

This is the second time in 2 months my brother has tried to send money through Western Union. He gives them the money, the information and they give him a confirmation code. After that, they have kept the money on hold. When calling to resolve or ask why its on hold, they claim they need more information.
Product: Credit reporting or other personal consumer reports

My company XXXX submitted disputes to XXXX, Equifax and XXXX XXXX on the XXXX of XXXX. Almost immediately XXXX sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in XXXX day. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution. 
Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. 

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.
Product: Mortgage

During the pandemic, our family restaurant was obviously impacted. At that time Specialized Loan Servicing, the company that holds our mortgage, offered a 3 month forbearance which we took advantage of. After the 3 months, I was placed on a payment plan to pay-off the 3 missed payments. During the past 6 months I have received 200, if not more, pieces of mail threatening foreclosure through regular mail and certified mail, plus daily voicemails even though I have talked to representatives on multiple occasions who have assured me we were in no danger of that happening. On top of that, they have placed my account in the bankruptcy division. A previous bankruptcy ended about 7 years ago, well before they took over my mortgage. I feel harassed by this company even though I am taking the exact steps we had discussed to get me back on track. They truly made a very difficult year for us even more of a nightmare with the constant threat of taking our home away from us.
Product: Debt collection

XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom UHG referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit bureau reporting a charge off on my credit report with XXXX XXXX XXXX. Attached is proof of this account being deleted and updated with the other credit bureaus!! Please follow suit and delete this account as well. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as this item should not be on my credit report. HERE IS A COPY OF BUREAU 'S NAME FINDINGS AND PROOF OF THEIR REMOVAL OF THESE ITEMS. PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send me my updated report as soon as your investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX, Account # : XXXX, Amount {$740.00} -XXXX XXXX Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX, Account XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above 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 XXXX 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: Checking or savings account

I setup an transfer on XX/XX/2023. On XX/XX/2023 they completed the transfer XXXX, resulting in my other bank account going negative. It is XX/XX/2023 and my Alliant Credit Union account isn't showing any funds were transferred over. I have lost a total of {$3000.00}.