23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Ive attempted to contact American Credit Acceptance , LLC regarding getting the title for XXXX XXXX XXXX which belong to my principle account. Vehicle was already charged and numerous of securities instruments was submitted to XXXX debt. I made a finally attempt and submitted an Affidavit of Fact indicating that alls bills are paid and XXXX XXXX  days to respond. Instead of receiving the title from XXXX XXXX XXXX XXXX, they had my property picked up from my place of worked on XX/XX/XXXX by a repossession company, which would've been the XXXX day for them to respond to the XXXX of XXXX. My personal belongings was also taken and I wasn't able to retrieve it for about XXXX weeks. The repo company also stole personal property that was inside of the vehicle that was never returned to me.
Product: Debt collection

Almost every day this company calls me stating I owe them money or they will garnish my wages. Jefferson Capital Syst is on my credit report for an amount I have XXXX idea about. They are not contacting my family about this.
Product: Credit reporting or other personal consumer reports

to whom it may concern 1. I got a new job, and I am also legal rep/ officer for the new company.

When I turned in the XXXX  small business application, it got Declined ; reason below -- We can not approve your application at this time because XXXX or more of your business previous Card accounts and/or loan products has been canceled by American Express Reference to small business XXXX XXXX XXXX XXXXXXXX XXXX. I keep trying contact XXXX a. XXXX department ignore and dont understand what I am talking abt, which idk where are they based for, which I barely understand their XXXX XXXX I called customer service in XXXX XXXX, she helped me talked to XXXX  Credit app department, she said because my name is showing as outstanding, meaning they would never can approve application under my name. she refer me talk to Corporate card department Reference to my previous company corporate card # XXXX XXXX XXXX XXXX I called XXXX  corporate card department asking remove my name, but then they gave XXXX XXXX And XXXX XXXX XXXX XXXX XXXX Then I called XXXX And XXXX XXXX XXXX XXXX, they said XXXX XXXX XXXX contact XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX did find my name in their system ) p.s. 
- previous company i worked for went to XXXX deal- i am not owner/office for the previous company kindly pls help contact XXXX  for removing my name in their blacklist
Product: Credit reporting or other personal consumer reports

I pulled my credit reports from transunion XXXX and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from TransUnion XXXX and XXXX. ADD NAME : XXXX XXXX XXXX to TransUnion, XXXX, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Product: Credit reporting or other personal consumer reports

I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.
Product: Checking or savings account

as of XX/XX/XXXX i opened a saving account at compass bank. 
as of yesterday ( XX/XX/XXXX ) i was sent a notice the my savings account was over draft. 
i went to the to ask about this notice and found out that, the bank was charging me a transfer fee twice a month for this service. 
they told me they could only rein burst me {$30.00} for my troubles and I 'm at fault for let this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed XXXX XXXX for XXXX XXXX {$1100.00}, original balance XXXX This account was settled and closed, nothing is owed. Please remove
Product: Credit reporting or other personal consumer reports

This is my third attempt to try and rectify what has been happening. XXXX keeps reporting my loan payments as a credit limit decrease. I have a student loan which is an installment loan, I do not have a credit line with them. Last time, they offered me information on how credit scores are reported, which was no help because they are incorrectly reporting my payments as a decrease in a credit limit. Which is drastically affecting my credit score and making it drop XXXX XXXX today. They are also reporting this decrease in credit limit on a loan that was taken out back in XXXX. So I am not sure what is going on but would appreciate assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from Bank of America reported account abuse to XXXX stating I owed money to Bank of America. When I phoned XXXX at Bank of America he agreed and sent me a letter stating the error would be removed from XXXX. 

I sent XXXX the letter from XXXX at Bank of America in addition to my dispute about the charge. 

This now has been over 14 months and XXXX is refusing to remove this incorrect reporting by Bank of America. I have phoned both businesss repeatedly to no avail. 

I am prepared to sue both companies as this is affecting every aspect of my life causing undue stress. I can not open a bank account, get housing, loan or student funding for college. 

My identity has been stolen over two years ago in addition to XXXX does not have the correct name for me. I believe this is incorrectly on my report and XXXX has made a gross error in addition to Bank of America.
Product: Bank account or service

There has been a unathorized transactions that occured on my account, I reported this trasaction promply, however the bank did not address this trasaction even though I completed all of the claim forms. I am a victim of fraud and have provided a police report as well. 
XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1500.00} XXXX/XXXX/2015 DEBIT CARD PURCHASE XXXX XXXX XXXX XXXX MN ( Cash ) - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

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 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

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 an account without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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: Money transfer, virtual currency, or money service

: Formal Complaint Against PayPals Unjust Account Limitation and Fund Withholding Practices Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against PayPal for their unjust and arbitrary actions concerning the limitation of my account and the subsequent withholding of my funds. Having recently regained access to my account after years of limitation, I diligently followed all provided instructions to restore its functionality. The primary reason for restoring my account was to facilitate payments for my virtual assistance services, as my client exclusively utilizes PayPal for transactions with overseas employees. 

Upon restoration, I promptly submitted invoices to my client and received payments. However, PayPal notified me of a hold on these funds, citing the need to complete certain unspecified requirements on the platform. Despite my efforts to locate and fulfill these requirements, the instructions provided were either unclear or inapplicable to my situation. Given that the payments were for services rendered and not tangible goods, PayPal indicated that the hold would last 7 days, a duration shorter than the standard 21 days applied to physical items awaiting shipment. Contrarily, the hold period was set to 21 days without adequate justification. 

PayPals platform further suggested that users could request an expedited review of such holds. I initiated this process and was assured by a PayPal representative that, considering the nature of my services, a specific amount would be made available for immediate use. To my dismay, less than 24 hours later, I received an email and an in-app notification informing me of a permanent ban on my account. This ban prohibits any transactions, including refunds to clients, and imposes a 180-day hold on my funds, with the possibility of forfeiture. No explanations or reasons were provided for this drastic action. 

In my attempt to seek clarification, a customer service agent informed me that my account was automatically flagged by their system. She mentioned submitting an appeal on my behalf, with a decision pending after 7 days. This process places me at the mercy of PayPals opaque and seemingly arbitrary system, leaving me in a state of uncertainty and financial limbo. 

I find PayPals practices to be not only unfair but also oppressive. The company imposes exorbitant fees, offers unfavorable foreign exchange rates, and subjects users to indefinite holds on funds without proper justification. The recent actions against my account have caused significant distress, as I am unable to access funds owed to me for services already rendered. The lack of transparency and accountability in PayPals operations is deeply concerning.

I respectfully request that the Consumer Financial Protection Bureau investigate PayPals account limitation and fund withholding practices to ensure they comply with federal regulations and uphold consumer rights. No consumer should be subjected to such arbitrary actions without clear explanations and justifiable reasons.

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Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times And reporting discrepancies My financial institution and Zelle failed To investigate my claims adequately. They informed me that recovering loss funds was impossible And that tracking these transactions was infeasible. The CFPBs Findings has indicate that Zelle Has not only neglected to protect consumers But has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. His lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2023 my home was damaged by a wind event. Penmac has been holding the funds from insurance. I struggled for months to find anyone that would work with me to provide these documents PennyMac was requiring to release the funds from my insurance policy that I pay for. 
I previously contacted the CFPB and was told that if I could find a company that would do this, they would release all funds without the need for the inspections. 

I signed with a roofing company that had a quote {$2000.00} higher than any other quote I had gotten, submitted all of the required documentation and PennyMac released {$1400.00} and is requiring inspection now for the rest. 

This was not the agreement made to resolve the prior CFPB complaint. There is now mold spreading through my home, my kids are starting to have headaches and other issues. 

This is completely unacceptable.
Product: Debt collection

I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

This bank and bank representatives, continue to use reprisal/retaliation and harassment while intentionally mismanaging my personal checking account. Today, XX/XX/2018, there is a negative balance in the amount of $ XXXX due to this bank ( and bank representatives ) ongoing and malicious mismanagement of my personal account ( in an effort to force me to close my account ). I will NOT be closing my personal checking account. I will NOT be paying the said - {$68.00} negative amount. I will continue to file complaint 's ( and legal action ) until this bank decides to CEASE and DESIST their ongoing, tolerated and unlawful practices against me and my personal checking account ( DISCRIMINATION based on reprisal/retaliation, harassment, age, sex,  XXXX, race and nationality. With an " exception '' to my previous CFPB filed complaint 's, this bank ( and bank representatives ) have repeatedly and intentionally mismanaged my personal checking account ( See Check # XXXX ) on XX/XX/2018 XXXX Balance : {$100.00} ) ; Check # XXXX " again '' on XX/XX/2018 ; and todays, XX/XX/2018 negative balance of - {$68.00}. Just yesterday, there was a pending transaction posted to my personal checking account in the amount of - {$24.00}. Today, XX/XX/2018, the " exact same '' - {$24.00} is now posted as a positive {$24.00} ( " XXXX XXXX XXXX ID : XXXX ACH posted credit '' ). Further, this bank consistently sends NSF text message 's to another persons cell phone. Therefore, continuing to violate my right to " privacy ''. ALL supporting documentation will be sent to the CFPB via fax. ANY and ALL information in this filed complaint, is strictly for the purpose of the CFPB ( NOT, to be compromised, transferred or published by this bank, bank representatives ( or bank subsidiaries ). THE END!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$640.00} Date Opened:XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2400.00} Date OpenedXXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Debt or credit management

Their still reporting this on my credit as late payments the account is closed and paid in full.. I talked to a representative she said there is nothing that they can do its out of their hands and that very confusing due to their company is the one reporting the missing late payments
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Bank of America wo n't coooperate with my lender ... It 's a whole other pay cycle and they still wo n't communicate the proper info.. Online bank was not taken care right either due to that I received XXXX in overdraft fees and it was the banks fault..
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year when I checked my credit, I found that Chase Bank has been making hard inquiries against my credit every year between XXXX and XXXX. I asked them to stop and was directed to a phone number. I thought the situation was resolved, though they never made any effort to remove any of the hard inquiries that negatively affect my credit and will continue to do so for another year or two.

I am checking my credit again, and have found that they made another hard inquiry. Chase now takes up 1/3rd of all hard inquiries on my credit and I have NEVER done business with them. I've started the process of asking them what is happening yet again, but at this point I don't have faith in their willingness to actually do something about it. 

I need the hard inquiries removed from my credit reports and I need them to stop running inquiries against my credit unless I physically sign something with them or otherwise give my consent. My only assumption is that they obtained my information when a car dealership ran my information several years ago and had multiple institutions try to get me a loan in one go. At no point did I consent for anyone to retain that data or to make yearly checks against it for any reason.