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

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than XXXX XXXX of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX
Product: Debt collection

I was a victim of identity theft XX/XX/XXXX. XXXX alert was placed on my credit file and collection was removed. Now the same collection has been placed back on my account XX/XX/XXXX with the same information but another company name.I will be making a police report also regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my husband ( XXXX XXXX ) and I went to look at a car XXXX XXXX XXXX XXXX in XXXX NC. We talked with the salesmen about how wed like to trade in my car but only for a good price and that we wanted the price on the car we were looking at, knocked down for cosmetic reasons. The salesmen, XXXX, stepped away for over 45 minutes, then we randomly received emails stating our credit had been ran, without our consent. He ran our credit before even discussing a price with us. Not for my trade in value, or for the price of the vehicle we were looking at. I am absolutely appalled and thrown back that our credit was run without our consent or authorization. Upon discovering this, we decided we would not be purchasing from them and left before theyd get the chance to run it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Urgent Complaint : First complaint submitted to CFPB on XX/XX/2021 under CFPB complaint # XXXX Ive Contacted Transunion on five different occasions informing them of reporting inaccurate information on my XXXX XXXX XXXX account XXXX XXXX Ive also contacted XXXX XXXX XXXX who admitted I was not enrolled in electronic billing at the time of the discrepancy, they acknowledge they did not have me enrolled in mail billing and they were having system issues. 
I explained I have made all payments as agreed. 
On each time I contact Transunion They fix the discrepancy then the following month place another late payment on my credit but changing the month the payment is alleged to being late. For example, if I file a complaint on a late payment in XXXX the change the late payment to XXXX and if I file a complaint on the late payment in XXXX they report a late payment for XXXX. 
This has been ongoing for over a year, they reported to the CFPB I made my XXXX payment on time then states XXXX was late but reports me paying {$200.00} in XXXX which makes it impossible for me to be 30 days late passed my previous payment. 
( See Attachment )
Product: Checking or savings account

XX/XX/2024, all the checking accounts and savings account were withdrawn money : Misc. Debit, - {$600000.00} ; - {$800.00} ; - {$4500.00} ; - {$400.00}.
Product: Money transfer, virtual currency, or money service

I have been trying since XXXX XXXX to close my XXXX husband 's PayPal account. I was informed he has a balance of {$690.00} in the account. I contacted PayPal Customer Service and was informed I needed to send documents ( i.e., XXXX XXXX, my driver 's license, document naming me as trustee/executor, etc. ) to FAX XXXX. I made several attempts to FAX these documents and when I followed up I was informed the documents had not been received. I wrote a letter in XXXX, XXXX describing all my efforts to FAX the documents. I only received another e-mail saying to FAX documents to XXXX. I also made a complaint to the Federal Trade Commission, Reference # XXXX.
Product: Credit reporting or other personal consumer reports

Formal Complaint and Opt-Out Request Regarding Privacy Act Violations by Early Warning Services Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against Early Warning Services for egregious violations of the Privacy Act, specifically 15 USC 6802-6805. Upon thorough examination of the Early Warning report, I have identified and documented 211 instances where the company has violated privacy laws, involving unauthorized access to overdraft balances, withdrawals, deposits, and the unauthorized opening and closing of accounts.

Enclosed with this complaint is the detailed report, serving as evidence of these numerous privacy violations.

In addition to the complaint, I would like to exercise my right to opt-out per USC 6802. I request that my personal information be removed from Early Warning Services databases and that they cease any further use or disclosure of my information. 

I kindly urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into these serious breaches. The gravity of these violations necessitates swift and decisive action to protect consumers and hold Early Warning Services accountable for their actions. 

In line with applicable laws, I am seeking compensation for these violations, with a minimum of {$1000.00} per instance, as permitted under the Privacy Act. 

Your immediate attention to this matter is crucial in ensuring the protection of affected individuals privacy rights. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and enforcing the Privacy Act. 

Thank you for your prompt consideration and action.
Product: Mortgage

My primary mortgae company SN Servicing Corporation at XXXX XXXX XXXX, XXXX, Ca XXXX has refused to report my mortgage payments-history to credit companies. I spoke to my account representive XXXX XXXX XXXX about three weeks ago and he advised me that he is required to speak to his supervisor regarding this issue. His superviser phoned me and advised me that it is not their company policy to report any mortgage payments to credit companies if a client has filed for a bankruptcy. I explained to this represtative that my bankruptcy ( court case number XXXX ) has been court ordered discharge on XX/XX/09. I requested that this supervisor provide me with a letter of confirmation of our discussion regarding the fact that because I filed for XXXX her company ( SNSC ) is not responsible for reporting my payment history to all major credit bureaus. She refused to repond to my request and advised me that she is required to speak with an in house counsel on this issue. A few days went by and I contacted my financial advisor and he called and spoke to XXXX XXXX XXXX and requested that I provide a Request and Consent to Provide Account Information to Authorized Third Party. Again we complied and waited to no avial. My financial advisor suggest we give SN Servicing Corporation several business days to respond. My financial advisor has since sent a follow up email request and as of today I have not heard a single response from XXXX XXXX XXXX or his supervisor on this issue. No phone call, no letter not a single response. My situation is I am attempting to re-finance my property prior to any more interest rate increases and with no mortgage history being reported by SNSC my efforts to refinance are prejudiced.

My concern is being that I filed and completed all governmental and court issued regulations to sucessfully have my Bankruptcy discharged and I am to be punished for filing a XXXX by SNSC not reporting my payment history? thereby encroaching my ability to fairly obtain a refinance? I am deeply concerned of this situation and SNSC 's position on this issue seems to me highly unfair and also an extreme prejudice towards my quality of life and my Credit Score Standing.

Any assistance in this matter would be grately appreciated. I have do I need to consult with any attorney? 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Since, last year I have been denied for an employee based loan advertise through my employer. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have requested verbal and written instructions on a denial reason and the company will not provide this information. Several agent have said that their company users the XXXX court systems to verify public records. I have access to XXXX and the court records do not reveal your full Social Security number and there is more than XXXX person with the same name. The consumer has violated consumer rights according to : 12 CFR 215.3 - XXXX of credit. ( I can not be denied an extension of my credit ) meaning borrowing a ) An extension of credit is a making or renewal of any loan, a granting of a line of credit, or an extending of credit in any manner whatsoever, and includes : ( XXXX ) A purchase under repurchase agreement of securities, other assets, or obligations ; I have requested that Kashable send me documentation validating these bankruptcy filings. XXXX stated that XXXX XXXX Michigan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and in the XXXX XXXX XXXX Georgia in XXXX. Per bankruptcy law Chapter XXXX bankruptcy when debts XXXX, you must wait XXXX years from the time you filed before you can file again. My public records on my credit reflects XXXX bankruptcy XXXX in XXXX XXXX in United States Bankruptcy XXXX Michigan XXXX XXXX. XXXX does not use the XXXX XXXX from my credit profile from XXXX major credit bureaus. XXXX willingly and knowingly admits to using bankruptcy filings more than XXXX XXXX XXXX to determine whether they will extent me a loan. I contacted the court and they stated that do not report to credit reporting agencies. It is clear they do not report to you or to any third party companies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately! 
Attached is XXXX contact and loan information provided to XXXX XXXX. From my understanding when this loan is extended it is repayable by payroll deduction. I do not understand their response to my disputing the inaccurate information and they have not provided XXXX records as proof of these filings belongs to me. XXXX was over 19 years ago. This company has violated my consumer rights to credit or their loan program. 
XXXX has not validated and presented documented proof, from the XXXX court system that these filing belong to me. I have written letters and emails requesting this validation of XXXX XXXX belong to my fictitious name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromEquifax. I noticed an unauthorized inquiry made by your company XXXX XXXX on XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Student loan

Original loan amount {$2300.00}. yes just {$2300.00}. 
collected to date directly out of my social security {$4000.00}. 
and they still want another {$1000.00}. and continue to add what appear to be made up charges. 
When is this morally wrong? 
{$4000.00} minus original {$2300.00} equals {$1700.00} profit, but they still want another $ XXXX+ Collecting over XXXX %? How can this be legal?
Product: Checking or savings account

Unauthorized XXXX withdrawal from my checking account in XXXX XXXX. Claim was filed and XX/XX/XXXX and was notified on XX/XX/XXXX that my claim was denied. I contacted chase bank multiple times before XX/XX/XXXX and they kept delaying their decision date. Currently living in XXXX and have transactions in XXXX on the same day of that withdrawal.
Product: Credit card or prepaid card

On XX/XX/2020 we submitted a Dispute Acknowledgement Form to Synchrony Bank with all relevant documentation. On XX/XX/2020 we received an acknowledgement letter from Synchrony Bank. On XX/XX/XXXX after receiving an email that a payment was due calling to inquire why when we had not received a response on the dispute filed on XX/XX/2020. 

After several go rounds with Synchrony Bank customer service on XX/XX/2020 ; A.  ) Synchrony Bank proclaims to have mailed a letter on XX/XX/2020 ; a ) In addition, it was implied that Synchrony Bank did not have to send a letter because Synchrony Band had been notified by the XXXX XXXX XXXX  that we had agreed to such said purchase agreement that we received dated and sent on XX/XX/2020, bearing no signatures. 

b ) As stated in the Dispute letter filed on XX/XX/2020, we undeniable stated that ; 1. ) On XX/XX/2020 we made a purchase of a XXXX XXXX XXXX Serial # XXXX. Returning XX/XX/2020 being we had never been supplied with an electronic, physical, verbal or review of the purchase order nor the credit card financial documentation. In addition to the discrepancies in the purchase order and information supplied to Synchrony Financial by XXXX XXXX. 

Being the facts were presented to Synchrony Bank and we believe neglectfully dismissed the dispute without proper notification ignoring the facts. Attached are relevant documentation supporting our position. Please investigate this matter accordingly, providing accountability in Synchrony Bank enforcing federal consumer financial laws and protecting consumers that promotes fairness and restricting unfair, deceptive, and/or abusive acts or practices against consumers especially as it relates to this purchase. 

XXXX XXXX refuses to give ones and us any printed documentation stating that all is done " Electronically ''. 

See attached letter as Formal Description " CFPB XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. XXXX created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote XXXX about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force XXXX to do the right thing. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting late payments on my account that are inaccurate on several deff months account was never paid late and it is reporting multiple lates they updated it to show no status as current or no payment history.
Product: Checking or savings account

Account was completely blocked for a " sanctions review ''. All outgoing transfers on hold, no incoming deposits arriving. Customer support just says " be patient while we review your case, this can take XXXX business days ''. 

Account was blocked out of nowhere with no prior communications. We're a XXXX business doing business in the XXXX - weird that suddenly we are on a " sanctions review '' because of XXXX...
Product: Payday loan, title loan, personal loan, or advance loan

I have little or no credit and I needed money for a man who said he had to have the money to get me a XXXX through the Federal Government. This was the only company, CashNetUSA.net that said they would loan me the money. Only after I accessed the full amount of the money did I find out that the percentage rate was 299 %. I don't have any way to pay this rate or to pay the money back!
Product: Vehicle loan or lease

About 2 weeks ago, I submitted an application on XXXX to be connected with companies who could offer me an Auto Refinance Loan. I ended up deciding to wait a while for my credit to get even better, but I wanted to warn others about the tactics used by RateGenius.com. 

I was called today at work by who I assume to be XXXX XXXX @ Rate Genius. I am making this assumption because I was emailed at the same time as called by Rate Genius, with the sender being XXXX XXXX. 

XXXX informed me that they had preformed a " hard pull '' of my credit score, as well had all 10+ (  or more ) affiliates that were notified of my application at XXXX . To be clear, these are not words of warning about XXXX. Of course, as an informed person, I knew this to not be true, as XXXX would not have a viable business model if they destroyed the credit of every person who uses their service. 

I was taken aback by the call, and so decided that I should report this employee to the company so that they could retrain this person. 

I spoke with " XXXX '' over their live chat service available on the homepage of RateGenius.com. I have screen-shotted the entirety of the conversation, and am attaching it to this report. Instead of apologizing and promising to retrain the confused employee, as I suspected, instead the representative DOUBLED DOWN on this. He claimed incorrectly first that XXXX authorizes it's affiliates to run credit reports, even though I knew ( by XXXX 's own disclosures ) that this is not true. 

After copy/pasting XXXX 's disclosures into the conversation, XXXX then stated again that affiliates are free to effectively destroy credit reports by running soft or hard pulls at their discretion. 

These aggressive and misleading sales tactics would easily scare and confuse an uninformed person into signing up NOW, since their credit would be ruined for years.
Product: Credit card

I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT
Product: Credit card or prepaid card

Bank of America approved my credit card application online with a hard inquiry on my credit. After letting me spend for a few days, they blocked my card and online login. They want me to visit the branch. I can't go to a branch because I have now traveled outside the country and can't enter the US due to COVID restrictions in the country I am at. Now, I just want to pay the card balance so there is no interest or missing payment. However, the bank won't provide any information over phone or online even after I provided all my information to verify my account over phone. They can provide my balance and due date only if I visit the branch with physical IDs.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to XXXX, XXXX XXXX Expaerian at their address regarding potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and Section 623 of the Fair Credit Reporting Act ( FCRA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX, Experian and XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. Additionally, under Section 623 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of data they report to credit bureaus. This lack of transparency and validation raises significant concerns about improper data sharing, inaccurate reporting, and potential violations of federal privacy and consumer protection laws.