23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23 I received this email : " Hello, XXXX XXXX XXXX PayPal Your PayPal account is currently limited - We recently asked you to take action on your account, and we haven't received a response. 
Why is your account limited? 
We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we need more information from you. 
To help keep your account secure, please take action on your account. 
We've also temporarily limited certain features in your PayPal account. 
Currently, you won't be able to : Send money Withdraw money Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. 
This will apply to all existing and future cases you receive. 
What should you do? 
Log in to your PayPal account and perform the required tasks. 
XXXX XXXX to PayPal What happens next? 
Once you've finished, we'll review and get back to you with the status of your account within XXXX business days. 
Thanks for taking care of this. 
PayPal '' On XXXX, I submitted all requested documentation, and I received this response. 

" Your information is being reviewed The information you submitted is currently being reviewed by PayPal. Once we complete our review, well get back to you regarding the status of your account in XXXX business days. 
Thank you for your patience. '' As of XX/XX/23 I had not heard anything from PayPal and my funds were still frozen. 


On XX/XX/23 at XXXX ( XXXX ) I contacted PayPal and was told " the system failed to move my account into the correct queue for review. The rep was moving at that time, and I would get a response in XXXX hrs. 

As of XX/XX/23 XXXX ( the time of this complaint ) I have had no response and my funds are still frozen.
Product: Debt collection

This company is calling and harassing me and family member about this debt that I do owe and calling my kids number anyone that is attached to me. 

Amount XXXXXXXX XXXX
Product: Credit card

Date/Time : XX/XX/XXXX & XXXX XXXX ] Agent Name : unknown Issue : Billing Dispute Interest and Late Fees Accrued Company : XXXX XXXX ( XXXX XXXX  ) Product : Credit Card Complaint Description : I am disputing interest charges and late fees that began accruing on my XXXX  credit card due to a {$1.00} remaining balance that I was never notified about via paper or email statement. I always pay my bills in full and on time, and would have immediately resolved this balance if I had been made aware of it. 

I called XXXX customer service to request a one-time courtesy waiver, explaining that I had no knowledge of the remaining {$1.00} due back In XX/XX/XXXX. The representative transferred me to a supervisor. I spoke with an agent and was transferred to a supervisor. Despite explaining my history as a responsible customer and the minimal nature of the original charge, the supervisor refused to remove the fees. 

I then requested written confirmation of their refusal, but the supervisor declined to provide anything in writing, which I believe violates fair business practices and transparency.Despite my reasonable request and clean payment history, the supervisor refused to waive the charges and also stated that he would not send me any email or written confirmation of this refusal. He also stated that interest would continue to accrue on this balance unless I paid the full amount which has now grown significantly due to the compounding of interest and fees. 

This situation feels unfair and punitive over a minor balance I wasnt given a chance to address, and I believe XXXX  refusal to provide written confirmation violates basic consumer transparency.
Product: Credit reporting or other personal consumer reports

late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX not my account NOT my account opened fraudulent XXXX XXXX XXXX  Not my account opened fraudulent XXXX XXXX XXXXXX/XX/XXXX Not my account opened fradulent
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( Fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit card

WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.
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 : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My account with XXXX XXXX was never late! I have had exceptional payment history with FIRST PREMIER 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 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 months that are reported late 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FIRST PREMIER 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 1002 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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.

These inaccuracies are keeping me from obtaining new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

scammers and identify theft applied for an online loan in XXXX XXXX. 

I request an investigation, XXXX XXXX first replied it's an online application does not need a physical person 's signature in XXXX. Then XXXX XXXX investigated that personally applied this load in one of their Branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in Transunion & XXXX in XXXX ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, someone unlawfully gained access to my account with this company ( Dave ) and withdrew XXXX separate {$500.00} cash advances and placed them onto a XXXX debit card that was not mine, and that I did not have access to. This company ( Dave ) then recouped the cash advance funds from my XXXX checking account, even though they were contacted and made aware that the charges were fraudulent. The only action that Dave has taken was to immediately close my account, which they now claim prevents them from refunding the money that was fraudulently taken. 

I have had XXXX separate fraud claims open against them with my bank, XXXX XXXX XXXX, which were unsuccessful. The representatives at XXXX claim that when contacting this company ( Dave ) theyve been informed that there were no fraudulent charges, and therefore causing XXXX to conclude that the money taken from my account was authorized by myself, which is absolutely not the truth. 

I have been successful in contacting this company and spoken with a representative, named XXXX, and his supervisor, named XXXX. After speaking with both of these company representatives, they concluded that my account was indeed compromised, fraudulent cash advances were made and placed onto a XXXX debit card that was not mine nor in my possession, and that the account needed closing for security purposes due to the compromise. Unfortunately due to the account already being closed on XX/XX/XXXX when the initial fraud occurred, they stated that it wasnt possible for them to issue me a credit, and that my best solution would be to contact my primary bank ( XXXX ) and have them reopen the fraud investigation and contact them. I have done so unsuccessfully. 

There are notes on my closed Dave account now verifying that all of this information is accurate and that XXXX individual charges of {$500.00} each were indeed unauthorized. 

Ive made multiple attempts since the initial contact with this company ( Dave ) to recover the funds that were stolen from my account, and Dave has refused to cooperate, stating that since they closed my compromised account they were unable to refund the money that was stolen from me. Theyve advised multiple times to contact my bank for a refund, but upon doing so, Ive been told by my bank that I needed to recover my stolen funds from Dave. To this day, I am still missing more than {$1500.00} that I have been unable to recover.
Product: Credit reporting or other personal consumer reports

The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports.

I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Student loan

I want full validation on my student loans. How much is owed. Where was the money applied to and why are there extra charges.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRIES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I noticed I had several late payments with this company. I was asking the company to update my payments to XXXX  or bring my account to good Standing due to law 15U.S 1681 section 604A section 2, 15 U.S 1681 section 602 states I have the right to privacy. 15 U.S 1666B
Product: Bank account or service

My wife and I wrote a check to our daycare provider from our joint BofA checking account. BofA refused to honor the check for fraud purposes, even though the account has never been subject to fraud claims before. BofA called prior to dishonoring the check and left a strange message. Due to other bank frauds, where scammers pretend to dial card and accountholders to phish account details, neither my wife nor I answered and instead called the bank directly when we had free time later that day. During that call, BofA said that we had called too late and they were dishonoring the check and we would have to write a new one. 

Due to this, my daycare provider had to pay a {$12.00} fee to their bank. My wife and I have covered the fee and sought compensation for the issue from BofA. BofA has refused, despite the fact that the fee was due to their dishonoring a validly issued check and the company 's overly sensitive risk practices.
Product: Checking or savings account

I need statement copies for my checking account with TD Bank, now closed. These documents include from account opening until closing. These are needed for accounting purposes and in a paper format, not file. TD Bank marked my prior request as duplicate when in fact it is not, any prior statements received in the past were since discarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Purchase Protection damaged or stolen i got mugged  at gun  point and was denied because i was mugged in my car ... the item was in my pocket.. this is a fraud service.. they change the reason 3 times on me ...
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XX/XX/2016
Product: Debt collection

I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.
Product: Mortgage

I made my mortgage payment for XX/XX/2020 on their website having their agent walk me through it. I was told at that time setting up automatic payments would commence XX/XX/2020. What ended up happening was the automatic payments started right away in XXXX, so they took 2 payments instead of one for XXXX, and another automatic one for XXXX. I have called numerous times ( 7 or more ) and been promised a check is in the mail. I am still waiting.
Product: Checking or savings account

I had and account that was closed late 2023 and have not entered another contract or agreement with Self Lender, after noticing my account overdraft I checked to see that Self had withdrawn money from my checking account in XXXX and then when I called my banking institution they informed me that Self Lender had also taken money out the previous month. I called Self Lender on XX/XX/XXXX to inform them for them to say they have no information available, they ask me to send a screenshot of the transaction in which I did and XXXX with id # XXXX stated that he couldn't help me and that he would have to escalate this matter, then I expressed that I would like the email or phone number to corporate and XXXX then stated that he couldn't assist me. That's when I told him that I would make a complaint and he said fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following FTC report and remove the unverified collection from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> We were made aware that due to a fraudulent email, we sent {$69000.00} to who we thought was our vendor. Our email was hacked, or the vendor, not sure at this time. The scammer sent an invoice to us requesting we change their ACH information. We immediately called Bank Of America, our current bank, and it took over 3 hours to get a claim submitted and direction as to what to do. This is a large amount of money and we are a small business. As I was dealing with Bank of America, my husband called XXXX XXXX XXXX, as that is where the funds were transferred. We immediately told them of what happened and they made documentation in their system and told us that Bank of America would need to reach out to them, but they would try and hold the funds. We were instructed by a XXXX and Bank of America, to fax all of our supporting documents to them at XXXX. We did this. We faxed 18 pages, to include a complete timeline of what took place. Copies of the emails, invoices and as instructed had the claim number on every page. When I tried to call XX/XX/year>, XXXX, XXXX to confirm the fax was received and to see what was being done with our claim, I was transferred several times as they never could get me to the correct department. I was at one point on hold off and on for over 3 hours and spoke to 6 different people before I had to give up as I had other appointments for the day. As I am filing this complaint, I have been on hold for 1 hour and 16 minutes, and spoken to 4 different people. All trying to get to the " Fraud Department '' that handles my particular claim. We received a Call last Monday XXXX from a XXXX at Bank Of America to verify if we did indeed open a claim, as XXXX XXXX was hold funds for our claim. We then received a letter stating that Bank of America denied our claim on XXXX. We received the letter XXXX. I was able to speak to XXXX with Bank of America again on XXXX, and she stated she wads able to convince the fraud department to reopen our claim as XXXX XXXX was holding funds. She could not tell me how much. 
XXXX XXXX will not speak to us about this, only our bank.