23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer. 
If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Product: Money transfer, virtual currency, or money service

Sunday, XXXX I tried to make an XXXX purchase on XX/XX/XXXX. During the checkout process, I received an error message : " We can't process your payment. Try again, or select a different payment method to check out. '' I used a credit card for my purchase and did not select the PayPal option. 

After several calls to XXXX support, I learned that the error message is : " Payment Validation Error - XXXX '' The final decision from XXXX support was for *me* to call Paypal to determine the reason my payment was not accepted. Paypal is XXXX 's primary transaction processor and it was probably the root cause that my payment was not being accepted. After a lengthy conversation with Paypal it turns out that my Paypal account has been blocked due to suspicious activity. Here is the notification : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. 

In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. 
Reference ID : XXXX '' I have known about this problem for about 3 - 4 months and have been able to make credit card purchases on XXXX which should have nothing to do with Paypal and have previously worked. Now, every purchase that I try to make via XXXX is getting blocked by Paypal. Please keep in mind that I am not selecting the Paypal option, it's just that Paypal is blocking all of my credit card payments before the transaction can get to my credit card company. 

I have had an XXXX account and Paypal account since XXXX. I have been through a couple of reactivations where I did not use the platform for long periods of time. I don't mind and want to close my Paypal account because I don't believe they should have control over my ability to transact online commerce with XXXX. However, I am not allowed to close my account because of additional requested information. Of course, closing my account would limit my ability to sell items but I never used XXXX as a sales platform anyway. Given what I have learned during my ordeal, Paypal has the ability to hold your money for 180 days if your account is suspicious or banned. 

What can I do to allow standard transactions to occur on XXXX without involving Paypal? In other words, there are XXXX users that do not have Paypal accounts and are allowed to use their credit cards for payments. I would like the same courtesy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It May Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXX XXXX  ]. Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Violations Cited : 1. Failure to Provide Debt Validation ( 809 of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt. 
2. Permissible Purpose Violation ( 604 of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA.

3. Accuracy and Completeness of Information ( 611 of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry.

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA. 

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I transferred XXXX XXXX ( {$320.00} USD ) and XXXX XXXX ( {$44.00} USD ) from XXXX  to Binance. When I scheduled the transfer from XXXX, the XXXX XXXX automatically populated. At the time of the transfer, I did not know that the network transferring it had any significance, I just knew I had to make sure I had the correct wallet address, and that XXXX could only be successfully transferred to a USDT wallet, etc. I made the transfer, but the coins never arrived. I contacted XXXX support a little while later and informed them I had not received the transfer. I also contacted Binance on XX/XX/XXXX. I did not receive a reply from either of them, so I contacted them again on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the Binance team said that in order to investigate this, he needed the transaction IDs. I copied what I thought were the transaction IDs from the confirmation emails and sent them to Binance. XXXX, from Binance replied and said that they were not valid IDs that it looked like an internal ID that XXXX used. On XX/XX/XXXX XXXX from XXXX got back to me and said before they could help me, I needed to log into the app and contact support that way. I finally received a response from XXXX and was able to get the correct transaction IDs, which I then sent to Binance. I communicated back and forth with XXXX asking them if they could recover the funds for me since they were in their network, XXXX and they said they could not, that they had already left the platform and were in Binance 's possession. They said I should ask Binance to reach the coins with the hashtags and recover them or send them back. The last support person I communicated with on XX/XX/XXXX at XXXX was XXXX and he explained that at XXXX if funds are deposited on the wrong network, their team can sometimes recover them for their client or send them back to the originator and that I should ask Binance to do this for me. I communicated back and forth with Binance asking them to retrieve my deposit or send it back to XXXX their response was that they do not support the network and therefore they could not retrieve my funds and that they keep track of these issues so if they support the network in the future, they would contact me. The last correspondence I had with Binance was with XXXX on XX/XX/XXXX. The support ticket number for this communication with Binance is XXXX. 

Exchanges should not be allowed to keep customer funds, profiting off of XXXX XXXX XXXX. Like XXXX said, they are in Binance 's XXXX, so only Binance has access to them. There should be controls in the system to either not allow transfers to be made between exchanges if the exchange receiving the funds doesn't support the network, or if the transfer is made to an unsupported network it gets rejected and sent back. Exchanges should not be allowed to not support a network and keep customer funds.
Product: Credit card or prepaid card

I had made a purchase for an antivirus program online. It was not what I needed or expected so I asked for a refund and it was not given. I then filed a dispute through papal. The antivirus company emailed me stating that if I cancel the dispute they would refund the monies. I did as instructed and I am still being given the runaround by this company and they have not refunded the monies. I contacted Paypal explaining and they stated too sad, too bad attitude. They stated because I cancel the dispute I am out of the money. This third world antivirus company should not be able to mislead the consumer in believing they will receive a credit and they do not follow through. Apparently, they are well aware of paypals policy and that is why they told me to cancel the dispute.
Product: Debt collection

I have requested full documentation for this account ( per the FCRA and TILA ) and have never received it. Yet they continue to report this. It 's causing me a lot of hardship.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was for the amount of {$1200.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Product: Credit card

I am writing to express my dissatisfaction with the annual fee associated with Best Buy despite my previous attempts to close the account. As a loyal customer of Best Buy, I have been shopping member of the community for many years, and I have recently discovered that the annual fee for this service has become a significant concern for me. 

Last year, in XX/XX/year>, After paying the annual fee, I reached out to Best Buy to close my account for Best Buy because I lost the card and no longer used it. Despite my explicit request, the account was not closed, and I continued to receive communication and charges related to the annual fee a year later. This situation is particularly frustrating as I made every effort to discontinue the service well in advance, yet the account closure was not processed as requested. 

Furthermore, I want to emphasize that I refuse to pay this year 's annual fee because I no longer possess the card associated with the account and have not utilized any of the benefits associated with the program for many years now hence why I called to cancel the account in the first place. 

Despite my efforts to resolve this matter, including phone calls to the company, I have not received adequate assistance or been offered any fair resolutions. The lack of responsiveness from Best Buy only exacerbates the frustration and hardship caused by this ongoing issue. 

The negligence of Best Buy 's employees in failing to close my account has led to a cascade of negative consequences for me. Late fees have accumulated due to charges for services I did not utilize or wish to continue, and my credit score has suffered significantly as a result. This situation is wholly unacceptable and has caused undue financial and emotional distress.
Product: Debt or credit management

Was hacked on XXXX XXXX. When I caught on to the man on phone I hung up and called the XXXX number on back of card. The money was put back in by Wells Fargo for amount of XXXX. The next month visa came back and took out {$500.00} and then another {$100.00}. They said I approved these charges.
Product: Debt collection

I had a credit card with Orchard Bank and Capital One acquired them, I was never notified of this information I found out by calling. At no time did I receive a new card and agreement from Capital One, in most instances you have the option of opting out and closing your account, I was never given this option. I had a service on my card as well from Orchard Bank because I have a serious illness that causes me to have high medical expenses. I have contacted Capital One several times to get some answers and on a few occasions I received a call back from XXXX to whom left me a contact number, pin and extension and the contact number is always busy or just continuously rings. i have asked for a new contact agreement regarding terms and conditions and a card due in fact I do n't have a new credit card from Capital One and the card I have is from Orchard Bank has expired quite a while ago, therefore any new fees or interest rates that have changed, I never agreed upon and have no knowledge of, therefore I do not owe this debt. I am aware Capital One has unsavory business tactics to include security breaches and sub-par treatment of customers not being up front about the lack of security.
Product: Credit card

I called Citibank two days before XXXX XX/XX/2023 to complain about a series of almost daily charges made showing payment to XXXX that I did not authorize. I allowed my son to use the credit card to get gas in his car and fast food on occasion. He apparently without my knowledge signed up for some online gaming site that turned out what may be a Russian scam operation. Once they got my credit card information, that repeatedly made charges to the card. I called Citibank and was told that the card was cancelled and that no further charges would be posted to the account after it was closed supposedly on XX/XX/2023. Despite my best efforts to have the card cancelled I kept seeing new charges posted to the credit card after I believed the account had been closed. The lady on XX/XX/2023 told me I would receive a new credit card with a new account number in a plain white envelope in about 10 days. I immediatly cut the credit card into tiny pieces and threw it away. When I kept seeing new charges posted to the account I called CitiBank again the first week in XXXX and tried to find out what was going on. The fraud department did not seem to have record of the first call in their system. I explained what had happened and that I should have no responsibility for any charges after my first call to Citibank on XX/XX/2023. I was told that since my son did apparently sign up for this Russian game that I would have liability for the XXXX charges. I told them that no services were provided and that the entity placing the charges was a scam operation. It appeared to me that Citibank was in some conspiracy with the creditor placing the charges against me. I have impeccable credit and went ahead and paid the bill in its entirety in dispute to keep my excellent credit. I received a letter today from Citibank that they contend the dispute is now closed and threatening to report my account as past due to the credit reporting agencies if the debt was not paid ( which I had already paid in full under protest ).
Product: Money transfer, virtual currency, or money service

PayPal permanently blocked my account on XX/XX/XXXX and XXXX XXXX after receiving money from a family member who stays and works in XXXX, she sent me {$2100.00} and collected their shipping cost and the remaining amount now is {$2100.00} They asked for a receipt and I did send them the receipt used to make the payment and after their reviews, they permanently limited my account and my money is there and they won't allow me to transfer my money. 
I created my Paypal account when I traveled to XXXX XXXX XXXX where I heard of it from a friend before returning to my country and I've been using it since then. 
I need this money in this pandemic and XXXX is fast approaching too. 
I need the help of the CFPB to get my money out from my Paypal account. 
This is affecting me in a very short bad way and causing me many inconveniences. 
I didn't use the Paypal account for any fraudulent act I need to pay some bills with it. 
And this is my email address for the Paypal XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX BANK, 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 reporting, credit repair services, or other personal consumer reports

I previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX  - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX Account XXXX : XXXX INQURIES XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
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 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: Checking or savings account

Havent received my pay check from Capitol one into my account