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

Dear PayPal Customer Service Team, I am writing to lodge a formal complaint regarding my inability to make payments using my PayPal account. I have been facing this issue for quite some time now, and despite my best efforts, the problem persists. I have given my account a rest for 24-48 hours, but it has not resolved the issue.

The problem, as I understand it, is related to security triggers that exist on my account. These triggers are preventing me from making payments, and I am unable to carry out even the simplest of transactions. I have attempted to contact your customer service team to resolve this issue, but to no avail. 

I understand that security is a critical concern for any financial transaction, but this situation is becoming increasingly frustrating. I have a significant amount of money in my account, and I need to make payments urgently. However, the current restrictions on my account are making it impossible for me to do so. 

I am hoping that you will take this matter seriously and resolve this issue at the earliest. I request you to thoroughly investigate the issue and remove the security triggers that are preventing me from making payments. I would also appreciate it if you could provide me with a timeline for resolving this issue, so I can plan my payments accordingly. 

As a valued customer, I expect PayPal to provide me with reliable and efficient service. I have been using PayPal for several years now, and I have always found it to be a reliable platform. However, the current situation is making me reconsider my options. I hope that you will take prompt action and restore my account to full functionality. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

I disputed 2 charges with XXXX, one from XXXX and one from XXXX and submitted evidence from XXXX that the packages that were out for delivery on the same day, were not delivered and were marked as lost. XXXX did not give me my money back even after I submitted proof XXXX had lost the packages.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.
Product: Debt collection

I have sent Commonwealth Financial Systems Inc. Two debt validation letters. I sent one on XX/XX/XXXX via certified mail that was received by Commonwealth Financial Systems Inc. on XX/XX/XXXX.  They sent me a letter that I received on XX/XX/XXXX that simply stated that I assume debt if I do not reply within 30 days. In response I sent another debt validation letter on XX/XX/XXXX. They received the letter on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I received a letters for 3 different accounts each with the copy of an invoice. There was no validation documents sent. 

In every letter I requested seven documents to validate debt.

1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt and interest charges.

4. Proof that the Statute of Limitations has not expired. 

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent
Product: Debt collection

SRA Associates , Inc. and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of XXXX XXXX XXXX XXXX. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of SRA Associates and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed XXXXXXXX XXXX never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. XXXX XXXX purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. XXXX XXXX worked directly in consultation with XXXX XXXX and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XX/XX/XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. XXXX and SRA are both causing me great distress and distrust for the outcome of this loan. 

5. SRA Associates have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which XXXX XXXX should be totally responsible for at this moment. 

6. XXXX XXXX had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked SRA Associates to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Product: Credit reporting

I just noticed that there is an address listed on my account, at which I 've never lived. It 's listed as XXXX XXXX XXXX XXXX XXXX tn XXXX. This city is close to where I live but I 've never lived in XXXX before. I did have my identity stolen quite some time ago, but I 'm not sure if this might have anything to do with it because it was so long ago. Any assistance or insight you might provide would be much appreciated. Thank you.
Product: Checking or savings account

Hello in XXXX of 2020 I tried to open a bank account. I was told that I was not able to due to me being in XXXX and XXXX XXXX by Bank of America. I found out someone had used my social security number and other personal information to open a bank account with them. I let Bank of America aware of the fraud account and that I didn't open said account they sent me a identity theft avidadit to file our which I did to the best of my ability. I sent in a copy of my identity theft report as well to prove that I didn't live at that address and it wasn't me. They sent me a letter back sending my identity theft claim. They pretty much told me they are not going to remove this negative account off my records and that is my problem. 

I want bank of America to take this fraudulent account off of my records so I can be able to move forward with my life.
Product: Credit reporting or other personal consumer reports

This is in response to the notice I received from 1st FRANKLIN FINANCIAL after filing a CfPB complaint in which I demanded due assurance that the alleged borrowers promissory note did not fund the alleged loan to the borrower. 1st FRANKLIN FINANCIAL sent me a copy of the alleged promissory note in their response to my CfPB complaint, and upon seeing the note for myself and reading the agreement it appears that 1st FRANKLIN FINANCIAL CORPORATION who is the party that demands payment from XXXX XXXX XXXX XXXX and is reporting a derogatory account to XXXX XXXX XXXX XXXX consumer report is not entitled to any payments whatsoever. This is because the stamp on the note at the very top left hand corner says the note was pledged to XXXX XXXX Bank XXXX. It is a fact that XXXX XXXX BANK XXXX. XXXX XXXX is the real holder of the original note not 1st FRANKLIN FINANCIAL therefore 1st FRANKLIN FINANCIAL has no right to demand payment in accordance with a note they dont own. If I pay 1st FRANKLIN FINANCIAL I would be paying the wrong party I would then end up having to pay the proper party again. I could be paying twice if I am not paying the correct party. ( See UCC 3-302 ) I know you receive financial assets from these notes all the time. Now that 1st FRANKLIN FINANCIAL has disclosed to me the chain of ownership in regards to the note which I have attached a copy of the note with this complaint. 1st FRANKLIN FINANCIAL can no longer attempt to collect on the alleged debt or report negative things to my consumer report because they do not hold the original note XXXX XXXX XXXX  owns it. If 1st FRANKLIN FINANCIAL doesnt delete this account from XXXX XXXX XXXX XXXX consumer report I will take this matter to the office of comptroller currency ( OCC ). None of the claims I have made against 1st FRANKLIN FINANCIAL have been fraudulent claims. This issue is identity theft ( the note was stolen and forged to appear as if I owed another party while paying the wrong party and was then stamped endorsed and used as money all without my authorization which any thing done with my information without my authorization is identity theft. Then 1st FRANKLIN FINANCIAL who has no claims to any debt because that party no longer owns the original note has also accessed the borrowers credit and charged off the account and received income from the account and has therefore reported incorrect fraudulent information to the alleged borrowers consumer report for more than 4 years. As well as the issue of 1st FRANKLIN FINANCIAL not being the correct party to collect payment for any debts said to be owed in the alleged agreement. Only XXXX XXXX can do that since they hold the original note. I do not recall having ever been loaned the amount of XXXX XXXX  cash value of 1st FRANKLIN FINANCIALS own money. 1st FRANKLIN FINANCIAL didnt loan XXXX XXXX XXXX XXXX any of 1st FRANKLIN FINANCIALS own money. Therefore XXXX XXXX XXXX XXXX XXXX owe 1st FRANKLIN FINANCIAL anything. The alleged debt is fake debt and I demand this debt be deleted from the consumer report belonging to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My compliant is about some credit inquiries I see on my credit report that I did not authorize. They include an inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, Citi Cards CBNA on XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. I have called both XXXX and XXXX to report these unauthorized credit inquiries and they have not done anything about it, until today when a XXXX customer representative told me to make a complaint to the FTC. 

As at the times when I was calling them to report these inquiries, the inquiry from XXXX XXXX never showed on my credit report, until today, XX/XX/XXXX. It is surprising because this inquiry was said to have occurred on XX/XX/XXXX, when I did not have a social security number and was not already in the United States.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$220.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3500.00} XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} EMVLP, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed XXXX {$2400.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information according to the FCRA are reporting must be 100 % accurate, 100 % verifiable, 100 % complete. This company is reporting account as a Collection, but also an open account which is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited a cheque for {$500.00} in my Truist account. This cheque was drawn against my account in XXXX XXXX XXXX 

On XX/XX/XXXX an amount of {$500.00} was credited in my Truist account but it was immediately put on hold. 

I can see that {$500.00} has been debited from my XXXX account, confirming that the cheque was honoured. 

When I call Truis bank, I am told that the check I deposited is put on hold for validation and will be cleared on XX/XX/XXXXXXXX 

Complain : XXXX XXXX XXXXXXXX has already cleared the cheque for {$500.00} on XX/XX/XXXXXXXX XXXX However Truist bank will clear those funds on XX/XX/XXXX. 

Truis bank is using {$500.00} in some ways without crediting those in my account.
Product: Debt collection

I owe XXXX {$3000.00}. I encountered financial roadblocks due to COVID 19 pandemic. On XX/XX/XXXX, my father was diagnosed with XXXX XXXX. He was out of work until XX/XX/XXXX. During this time, I helped to support my parents financially. I also got behind on payment during this time due to the support of my family. I had contact XXXX to inform them that I would set up a payment plan. On XX/XX/XXXX, I received a call from XXXX ( XXXX, EXT XXXX ) informed that they were going to pick me up, contact my place of employement, take me to court, etc. 

I informed XXXX that I would set up a payment plan due to not having the funds. When the payment tried to run, my bank declined the payment due to fraud alert. This was on XXXX XXXX, so the bank was closed. I informed them that I would contact my bank on XX/XX/XXXX to speak with them about the block. During the day on XX/XX/XXXX, I was very busy and was unable to take their call. I received another call stating my information was being pushed to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized inquiries listed on my credit report. These inquiries are as follows : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX These inquiries are a result of identity theft and were not authorized by me. Additionally, they are not linked to any account on my credit report. The presence of these unauthorized inquiries is adversely affecting my creditworthiness. 

I urge you to investigate this matter and ensure that these inquiries are promptly removed from my credit report.
Product: Student loan

I never received any information about continuing to pay my loan off during the payment pause for covid 19. During this time, from XXXX of XXXX through XXXX of XXXX, I continued paying my minimum payment that was due every month because I was under the impression that the life of my loan was going to be extended if I didn't pay. They continued to deposit this money every month without notifying me via mail or phone call or email that I didn't need to pay. During the summer of XXXX I applied for loan forgiveness. I spoke with multiple people at Mohela during this time and all of them stated that I would be reimbursed for those payments because I didn't need to pay them and that the federal government had a policy for repayment. They told me to wait for my loan to be forgiven ( I had applied for XXXX and was in the process of waiting ) because I had already made over XXXX payments. They all assured me that I needed to wait out the process and then fill out the appropriate reimbursement paperwork after my loan was forgiven. I called to follow up again in XX/XX/XXXX and during this phone call they told me that my loan was officially forgiven and that they will reimburse me for XXXX payments ( because I made XXXX payments ). During the same phone call they also told me that the window for applying for reimbursement for payments made during the covid payment pause closed in XX/XX/XXXX and that I can no longer apply for reimbursement. This company deposited all my payments from XX/XX/XXXX through XX/XX/XXXX and the amount they owe me is approximately {$13000.00} ( they reimbursed me for my last XXXX payments ). Every time I have called since, they try to transfer me to a supervisor. I have never been able to speak to one. I have left my phone number for call back multiple times and have received no follow-up. They are at fault because they never should've taken my money to begin with. They didn't send any written documentation explaining the payment pause and they failed to notify me during multiple phone calls that the window for applying for reimbursement was closing.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I was told XXXX was selling my remaining debt to Crown Asset Management as I missed payments. However, I have tried to contact Crown via email, contact form, multiple calls and a voicemail ( can show proof of this ). They will not respond and never answer the phone. I am ready to pay off my debt in XXXX. This is going to keep hurting my credit due to lack of response from THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get no credit, I been trying to get credit for many years and always been denied, I'm a hard worker and make enough money to covers my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new Nissan XXXX 2020 from the XXXX XXXX Nissan Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The Nissan Dealer said it's not their problem and washed their hands. 

Nissan Finance requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave Nissan Finance the case #, and requested the Fraud Package 4 times, and the package never arrived. Nissan refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from XXXX, Equifax or XXXX.
Product: Debt collection

I recently reviewed my credit report and identified an account that seems inaccurate and was added without my authorization.
Product: Credit reporting or other personal consumer reports

Im reaching out regarding me being a victim of Identity theft and the inaccuracy of reporting accounts on my credit report that doesnt belong to me. I submitted my disputes to the credit bureaus and havent received a response
Product: Checking or savings account

Bank : Chase Product : XXXX payment. 
Problem : I received a payment of {$500.00} on XX/XX/XXXX from XXXX XXXX XXXX. 
Yesterday : XX/XX/XXXX money is gone from my bank account and its frozen. 

I didn't reach to Chase because everyone online wrote Chase will say : " talk to XXXX '', then Chase will close your account. 

Everyone wrote complaint with CFPB first and both sides will work it ... Thanks in advance. 

If anyone can dispute XXXX then why they promote it as it is strong as cash transaction.