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

Paypal is inappropriately hold my money. This has happened on the last two transactions for 21 days. Transactions on XX/XX/XXXX & XX/XX/XXXX sales ) They claim it is for one of the following reasons : Your payments may be placed on hold in your pending PayPal balance because 1. Youre a new seller with PayPal - It takes time to build history to demonstrate a pattern of positive buyer-seller transactions. By building a positive selling activity, your funds may become available immediately.

2. You have performance issues or a high rate of buyer dissatisfaction or disputes - The percentage of refunds, disputes, and chargebacks compared to sales on your PayPal account seller performance. Having performance issues increases the likelihood of received funds being temporarily unavailable.

3. The payment you received may be considered unusual for your selling pattern - You may be selling higher risk items such as tickets, gift cards, electronics, or travel packages. Unusual sales activity could also include a recent spike in sales, a change in average selling price, or a change in business model or type of item being sold. Also, if you had been selling on XXXX but are now selling off XXXX, this would be new activity. 
4. You were previously an inactive seller - You may not have sold something for a while and you have now begun selling again.

5. Youve been selling for a while but opened a new account - If youre an established merchant, but opened a new account, that account will be eligible for holds until a good history is established.

However, not one of these reasons in valid for the following reasons : 1 ) I have been using Paypal for over three years so I am not a new seller.

2 ) In the three years I have used Paypal I have NEVER had a complaint filed against me.

3 ) I have had this amount & similar amounts the entire time I have used Paypal.

4 ) Obviously, this doesn't apply as I have been selling on Paypal since I opened my account.

5 ) I haven't opened a new account & have been consistently using this account.

Please help me resolve this issue.
Product: Debt collection

I received a call from a company calling themselves Dynamic Recovery Solutions. They provided me a phone number of XXXX. My wireless phone identified the number they called from as phone number XXXX XXXX XXXX XXXX. 

These people informed me that I have an outstanding medical debt of over {$300.00}. They have been hired to collect this debt in full or make arrangements with me to pay in installments or they will offer me a settlement. They requested for a credit card to pay this off. 

This company had my name and my wireless number and the last XXXX digits of my social security number and my previous address. They requested me to confirm my social security number and my previous address and provide my new one. I would not give them any information because I believe they are a SCAM. 

I have health insurance which covers most of my health insurance, therefore I DO-NOT any outstanding medical bills. I do not know HOW they got my personal information. 

I look forward to your investigation of this matter. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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, credit repair services, or other personal consumer reports

I contacted Lexis Nexis two months and disputed a Bankruptcy for XXXX Dollars. They never sent me any information nor did they remove the inaccurate reporting. I did another Dispute called and talked to a XXXX who stated that court give them the information. He stated they have court runners, and they also have a third party they go through, but he couldn't give me that information. I told him he was violation my rights without verification he refused to do it. I wrote the court a letter, and they responded. They refuse to send me validation or proof.
Product: Credit reporting or other personal consumer reports

Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit card

XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXXXXXX XXXX  account XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

My card was compromised, there are 7 total charges that I had. 2 of which have been credited by not the others, they tell me that yes those will be credited by the time I get my new card. I have got my new card and the remaining credits are still not there and they may not get credited for 45-90 days. This is a XXXX  XXXX  card!!! These charges are from CA I live in South Dakota! I wait on hold for hours to hear " oh it will take 45-90 days '' I was told first that it would be reversed by the time my new card gets to me in 3-5 business days. I now call and still hours on hold to be told that IF the Fraud departments shows that these are not correct charges that I will receive my missing {$250.00} back to my card AGAIN I LIVE IN SOUTH DAKOTA NOT CALIFORNIA!!!! Asked how my card was compromised and a bunch of charges were charged and NO ONE CAUGHT IT!!! Again on hold still 1 hour and 8 mins!!! This is my childrens  money!!! Maybe I need to file a lawsuit agains this " go program card '' you are dealing with XXXX  XXXX  and government money going to people!!!
Product: Money transfer, virtual currency, or money service

I have recently opened an account with XXXX ( XXXX exchange ) on about XX/XX/XXXX. After authorizing the withdrawing of funds from my bank account thereafter, I purchased XXXX on XX/XX/XXXX and XXXX of 2024. I made my first attempt to send XXXX to my cold storage wallet on the XXXX of XXXX of {$50.00} with success. It is recommended to send a small amount when setting up a new wallet. My second attempt was to send the remaining balance of approximately {$7800.00} to my wallet in which XXXX denied. After several attempts to send the remaining balance over the next couple of days, I was successful sending {$1000.00} worth of crypto on the XXXX of XXXX. On the XXXX of XXXX, I received a notice that my account had been restricted. I requested a phone call to find out what needed to do to reinstate my account. I shared with XXXX that every attempted transaction and action on my account was purposeful and was me ( The account Holder ). I have made " Four '' attempts to resolve this with Customer service to with no avail. My account is still restricted. XXXX Customer Service does nothing but Delay and Deflect. In closing if you have any questions please call or email. Thank you, XXXX
Product: Debt collection

One day they called 3 times within 5 minutes, another day they called 4 times within 20 minutes. Recently, they will call, then 1 minute later call again, doing this multiple times a day. They call excessively when I'm at work, never leaving a message so I know who they are or what they want.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Advised the credit card company that my data was breached thru my XXXX and laptop and that the cyber hackers have control of my email and phone number that they have on my account and I want to advise them of my new contact information.. That the hackers also currently have control of my landline at my home, and my wi-fi and my internet connection, I currently have no secure line to electronically connect with them without revealing my passwords and SSN. IThis credit card company wrote that they would not accept my request to change my contact information by letter, that I must use the telephone to call in the information.
Product: Student loan

I switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.
Product: Debt collection

On XXXX XX/XX/XXXX I had the windshield on my XXXX XXXX XXXX replaced by XXXX XXXX located at XXXX XXXX XXXX, XXXX, VA. When I picked up my car on XXXX XXXX, I paid the entire bill and received a certificate stating that XXXX  had recalibrated the advanced safety system in my car. Later that day, I noticed that a warning light was illuminated on my dashboard, showing that there was a problem with the advanced safety system. I contacted XXXX, and arranged to bring the car back in for them to check out the problem. 

When I dropped the car off with XXXX to investigate the problem, I received a call a couple of hours later in which XXXX explained that they could not recalibrate the advanced safety system in my car, as they did not have the proper equipment. I asked XXXX ( 1 ) why didn't they tell me this before performing any work, and ( 2 ) why did I receive a recalibration certificate from one of their technicians? The XXXX XXXX could not provide an answer to either one of these questions. 

I had the work performed at XXXX XXXX, paying {$450.00} to have the system properly recalibrated. I went back to XXXX and requested a refund of the {$250.00} recalibration fee that I had paid. I also spoke to XXXX customer service. Both the store and customer service kept giving me the run around, so after dealing with them from XXXX to XXXX, in XXXX I filed a dispute with my credit card provider, XXXX XXXX. XXXX XXXX reviewed the matter, and then reversed the {$250.00} calibration fee. 

In XXXX I received a notice from XXXX that I owed them {$250.00}. XXXX claimed I did not pay them the deductible associated with the original work performed on XXXX XX/XX/XXXX. I responded with a letter, stating that I did in fact pay the deductible, they were confusing it with the reversed {$250.00} calibration fee. It just so happens my deductible is also {$250.00}. 

On XX/XX/XXXX, I received a letter from Recovery One, a debt collection agency retained by XXXX, stating I owed XXXX {$250.00}. I responded on XXXX XX/XX/XXXX with a letter stating the listed debit is invalid. 

Bottomline is XXXX fradulently certified that they properly recalibrated the advanced safety system on my car, which induced me to pay the {$250.00} recalibration fee. I tried to work with them for months to obtain a refund for this work, which they did not complete and they refused. I am stunned that they have sent this matter to a debt collector given their malfeasance, and am looking for help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Product: Credit reporting

I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BYE ME.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Delete Unverifiable Account Based on XXXX Deletion Dear [ TRANSUNION ], I am writing to formally request the removal of an account from my credit report that has been proven unverifiable. Specifically, the account in question is a {$26000.00} XXXX XXXX XXXX charge-off Account : XXXX that was reported inaccurately. I disputed this account on my XXXX secondary credit report, and after completing their investigation on XX/XX/year>, XXXX confirmed that the account was unverifiable and deleted it entirely from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ), credit reporting agencies are required to conduct a reasonable investigation upon dispute. If an account can not be verified, it must be deleted. XXXX deletion of this account indicates that the information can not be substantiated. Therefore, you are now obligated to take the same action. 
Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure maximum possible accuracy in credit reporting. Reporting unverifiable information violates this obligation. Please remove the XXXX XXXX XXXX account from my credit report within 30 days of receiving this letter. 

If you fail to remove the unverifiable account within the specified timeline, I am prepared to take further action to protect my rights under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. As outlined in 15 U.S. Code 1681n and 1681o, I have the right to sue for damages resulting from willful or negligent noncompliance with the FCRA, including statutory and punitive damages. 

Please provide a written confirmation once the account has been deleted .I look forward to your swift resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account name : XXXX XXXX  # XXXX, Account name : 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.