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

PayPal limited my account permanently as a result has kept almost {$4000.00} hostage. They claimed they wanted to ensure nothing was reported as fraud and charged back to the company for their protection. I allowed 40 days so they could ensure none of those events occured. They now are saying SIX MONTHS is their hold time. They at this point are just holding many many peoples funds for an extended amount of time to make money on the interest. If chargebacks were to occur they would have by now. Not to mention consumers like me with over a XXXX credit score are less then 1 % likely to create a charge off loss for the company let alone after 40 days of no issues presenting themselves regarding chargebacks its got to be close to zero risk. If something happened and one of the small transactions were disputed it would be within 30 days and no ones going to destroy their credit over {$50.00} they are just going to fight the dispute and if they lose pay it. Yet they allow people to keep {$0.00} in their account which offers no protection for themselves of chargebacks. Its all a big scam to hold peoples money so they limit accounts for no reason.
Product: Payday loan, title loan, or personal loan

I was approved by SBA way of submission by XXXX on XX/XX/2021 This loan said funded already and is now reporting a XXXX filing on my business credit from SBA however I never received this loan. I have sent a number of e-mails to capital Plus but no response please help me resolve this issue. 
XXXX SBA Loan Name XXXX XXXX XXXX XXXX Loan Amount {$17000.00} Interest Rate 1.00 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lender Capital Plus DocuSign Envelope ID : XXXX THIS IS A COPY The Authoritative Copy of this record is held at XXXX COP
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681, my federally protected consumer rights to confidentiality and anonymity have been violated by the list of accounts below. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. 

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) XXXX ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Debt collection

I called XXXX XXXX in XXXX of last year and asked for my membership to be cancelled, also i emailed the XXXX XXXX app. I was told it was taken care of. But until XXXX of 2023 i never realized they were still taking money from my account because i had a high balance available on the account. Now they have that creditor, Aldous & Associates, harassing me nonstop via mail and email. I called several times to request that they stop contacting me. They hung up the phone on me. I am tired with this nonsense between XXXX XXXX and this Aldous firm
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 USCB 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 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO 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

I was charged XXXX to my CitiBank credit card from XXXX in early XXXX. I disputed the charge, which I didn't make, almost immediately. The company initially removed the charge but notified me today, XX/XX/XXXX, that they were reapplying the charge to my account because they received evidence from the vendor that the item was delivered to my home. ( The charge was actually reapplied to my account on XX/XX/XXXX ; I suspect they didn't notify me until today so that no one would be available to respond to my complaint because of the weekend and holiday. ) I don't know what this evidence is- I did not purchase any merchandise from this vendor for this amount. ( The last XXXX purchase I made was in fall of XXXX for approximately {$40.00}. ) I called the fraud division today and held for 10 minutes before the call was disconnected ; I later learned that the office was entirely unstaffed today, so my time holding was a waste and a ruse. Then, I called the dispute department and spoke to a representative named XXXX. I asked to speak to his manager, and he kept me on hold for approximately 10 minutes, telling me the time to speak to a manger was 15 minutes. When I asked why the wait time wasn't going down, he told me that no managers were in the office, that I would not be able to speak with a manager, but that he had been instructed to tell me I was in the queue for a manager until I got fed up and hung up. This company has stolen my money and time and disrespected me every step of the way- please help me get my money back, and please encourage them to change their business practices to treat customers with basic honestly and respect.
Product: Credit card

There is no longer an amount listed on the account because the account was paid in full last year ( XXXX ). The account was closed and the creditor agreed to remove the account from all three credit bureaus once it was paid. They agreed to a pay for deletion. This company did not do as they said and will not remove this paid off account from my credit report and it is ruining it. This company is ( DISCOVER ).
Product: Mortgage

On XX/XX/XXXX, i submitted a mortgage assistance request to servicer Wells Fargo Home Mortgage, however the servicer failed to acknowledged or process our request. <P/>We contacted the servicer in regards to our request and was told that they will not process our application despite that the account was assigned to a specialist. We ask why then assign our file is your intentions are not to process? The reply was because those letters are computer generated when ever a customer is in default. <P/>On XX/XX/XXXX, I re-submitted the mortgage assistance request before the HAMP process deadline. See attached documents probing the allegations. Wells Fargo Home Mortgage failed ones again to acknowledged our request. The department of treasury issued the " HAMP Handbook '' for servicer 's to comply with certain areas of the law in connection with the loss mitigation options. Section 4.5 of the HAMP Handbook - states very clear that upon receipt of a complete mortgage request application and financials, servicer are to " acknowledged '' receipt of and sent notices to the debtor within " five business '' days. Ones again Wells fargo failed to " acknowledge '' our request. Therefore we can safely say that Wells Fargo Home Mortgage is in violation of section 4.5 of the HAMP Handbook.
Product: Checking or savings account

My account with Chime closed on XXXX with no warning I was told it would take 30 business days to receive my money that was in my accounts. I have contacted Chime over 40 times since then and I am still waiting on my funds. No one from Chime has helped. I have giving everything to them that they have asked for. Still have not received my funds and it's going on 2 months.
Product: Debt collection

I was the victim of false advertising, coercive sales tactics, and theft by deception from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Based on my personal experience, I believe their business practices violate consumer protection laws and cause significant harm to individuals seeking their services. Here are the details of my experience : False Advertising : XXXX  XXXX advertises itself as a service that connects clients with high-quality, compatible matches. However, the quality of matches I received did not align with their promises. For example : I was explicitly told I would be matched with single men who did not live in their parents basements. Despite this assurance, XXXX of the matches they arranged for me was a man who still lived in his parents basement. 
Another match involved a man who was still heavily involved with his ex. When I expressed concern after receiving a mistaken text message from this match about buying a XXXX gift for his exs child ( a child to whom he had no biological connection ), the matchmaker dismissed my concerns as unreasonable. 
Coercive Selling Practices : When I attended the initial meeting with XXXX XXXX, I explicitly stated that I was only gathering information and was not ready to commit to a contract at that time. However, I felt pressured to stay because my young son had been placed in a separate area from me, making it difficult to leave. The representative used manipulation to pressure me into signing a contract I was not prepared to commit to. 
Theft by Deception : XXXX  XXXX failed to deliver the services they promised. The quality of matches was significantly below expectations, worse than what I could have achieved through online dating. 
When I expressed dissatisfaction and requested to terminate the contractallowing them to retain the money already paidI was told this was not possible. They have continued to demand additional payment for services I no longer wish to use, despite their failure to fulfill the terms of their agreement. 
These practices demonstrate a pattern of deceptive and unethical behavior. XXXX XXXX XXXX XXXX XXXX XXXX  exploits their clients ' trust and emotional vulnerability, prioritizing profit over consumer welfare. 



I have paid {$960.00} to XXXX XXXX XXXX XXXX XXXX, the bill collector contracted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the reasons above, I owe nothing else to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX A complaint was filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Requested Action : I urge the CFPB to investigate XXXX XXXX for : Misleading and false advertising of their services. 
Coercive sales tactics designed to trap consumers into contracts. 
Failure to deliver promised services, amounting to theft by deception. 
I request that XXXX XXXX be held accountable for their actions, cease deceptive practices, and relinquish any alleged debt they claim I owe. Their practices harm consumers and tarnish trust in similar service providers.
Product: Debt collection

Collection agency sent bill for {$90.00} showing for XXXX XXXX and today. I contacted XXXX XXXX and verified I had no balance due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until 2029 even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report XXXX verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Product: Debt collection

I was injured at work and have a settlement agreement that my previous employer is to pay for all future education expenses through the State of California XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX  did not submit a request for payment to the State of California. They then forwarded my bill to a collection agency.
Product: Checking or savings account

On XX/XX/XXXX I was informed by a customer service representative that my account with XXXX XXXX XXXX XXXX card was closed. I have had this account for over 13 years, I have received tax refunds payroll and a number of deposits over the years to this account. This account was intially employer issued and switched over to a personal account once I left my previous employer XXXX ago. 
I was informed after my direct deposit was returned to my current employer leaving me with out the financial ability to meet my needs with out notice. 
When I spoke to a representative on XX/XX/XXXX I was informed that I would have to send in my identification with a picture and date of birth and address as well as my social security card which I thought was intrusive and was told my account was on hold pending that review. I was told it could take a few days to find out the status. Upon calling today XX/XX/XXXX I was informed that my account was closed as of XX/XX/XXXX for not supplying the requested information within 14 days however I was never given notice of the requested information, and I also sent the information in XX/XX/XXXX once I found out my account status. I was informed today XX/XX/XXXX that my account had been issued this request and placed on hold as of XX/XX/XXXX which is actually 7 days ago and I sent the information in in the 6 day from that day. Although I technically was never made aware of the requested information to begin with. I feel this is some type of fraud in the part of the company requesting my XXXX social security card or Im being targeted because of my last name. I am a born and raised XXXX XXXX  whos family has been in XXXXXXXX XXXX XXXX even if I was an XXXX  I dont think its ok to just close someones account because you are trying to verify XXXX  which is the only other thing I can think of beside the company wanting my social security card to commit financial fraud. I was informed that my account can not be reopened m, I dont want it reopened however I would like compensation for my missed bills and I would like to file a civil suite for discrimination.
Product: Mortgage

Dear Summit Funding, according to title company record and XXXX, you as a mortgage lender issued a conventional mortgage loan for an amount of {$370000.00} to Mr. XXXX XXXX and Ms XXXX XXXX which was recorded on the XX/XX/2018.  The loan was issued by Mr. and Mrs. XXXX to purchase the property addressed at : XXXX XXXX XXXX, XXXX, TX XXXX, for which I and my spouse are the legal owner. 
The seller of the property was MsXXXX XXXX XXXX. 
The mortgage loan was serviced by XXXX XXXX XXXX and is recorded by them in XXXX. 
Can you please as a lender, explain me the reason of issuing fraudulent mortgage loan to straw borrowers where our property has been used as collateral? 
This is a very interesting area that I am researching these days. Is this only for flipping? Or is there any other mortgage fraud scheme that I am missing. 
Your feedback will be highly appreciated. 
Thanks in advance.
Product: Mortgage

On XX/XX/2021, we submitted a {$2600.00} mortgage payment to Mr. Cooper Nationstar. This is our regular monthly mortgage payment.This is a ONE-TIME payment each month. 

On XX/XX/2021, at XXXX XXXX, according to XXXX XXXX records, Mr. Cooper submitted THREE more mortgage payments to our bank XXXX XXXX They ILLEGALLY took out {$7800.00} from our bank account, causing our account to be overdrawn. 

On XX/XX/2021 at XXXX XXXX, I called Mr. Cooper. They said " It's not our fault. It's XXXX XXXX XXXX fault. We can not help you. '' I then called XXXX XXXX, who told me that it IS Mr. Cooper 's fault, and we have to work with them to get our money back. 

At this point, Mr. Cooper owes us {$7800.00} and they won't return phone calls or messages via social media. 

They ILLEGALLY took 4 mortgage payments from my account!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  XXXX. is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  XXXX, the financial institution, and the XXXX XXXX XXXX XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, XXXX, and XXXX XXXX XXXX  XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  XXXX. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' These accounts have private transactional items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974, and the above federal laws.