23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My paypal account has been put in a negative balance by paypal because another paypal user claimed to have their account hacked and then used to purchase something that I sell online. There were XXXX transactions which amount to almost two thousand dollars. Now, my other paypal account has been limited, and paypal has frozen the entirety of my money. Which includes money I need to live, pay for my prescriptions which are vital to my well being, and just daily expenses. I have provided paypal with enough evidence to prove that the other party involved lied in order initiate a chargeback, and therefore, leaving me with such a large negative balance. I have correspondence between XXXX XXXX and I. There are emails, proof that they were in fact the owner of their paypal account, and screenshots. I provided overwhelming evidence to paypal that they were in fact in the wrong, but they still decided to freeze my funds. Months have passed and they still are telling me that I am required to pay the debt. Not only did I lose my product, but I also lost the money I received as payment for said product. I have called countless numbers of times trying to solve the issue, but paypal will not budge from it 's place of power. I have been taken advantage of the fact that the seller is almost guaranteed to lose a dispute against anyone that starts one against them. I have not been able to pay any bills, eat, or get my prescriptions vital to my well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that I didn't do. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a new checking and savings bank account online at Chase.com on XX/XX/20 under a promotion to earn up to {$600.00} if certain deposit thresholds are met. Account was approved online and I proceeded to remote deposit a {$5000.00} payroll check on XX/XX/20 and a {$2500.00} payroll check on XX/XX/20. On XX/XX/20, I attempted to login to my account and discovered I am locked out and my account was restricted. I followed the online instruction to contact a Chase call center. A customer service rep told me my account was restricted and I will not have access to the any funds until I make an appointment at a Chase branch with a banker and validate my identity. The checks were processed and the funds will be locked up indefinitely. Plus I will unlikely receive the promotion bonus due to the time it will take to validate my identity and lift the restriction. There would be no way to deposit funds into the checking and savings account to meet the {$600.00} promotional terms while the account is restricted. 

I am an older person with respiratory issue and have been staying at home during the last 6 months to minimize risk of getting COVID-19. I need access to the funds deposited at Chase to pay the rent, food, car loan payment, healthcare expenses and utility bills. Chase does not offer an option to authenticate online or via other non face-to-face methods unlike other Bank. As the largest Bank in the country, Chase is causing financial hardship for consumer of color with their draconian fund restriction policy AND baiting consumers with an attractive promotion term with no intention to honoring the promotion via barriers to block consumer from meeting the qualifications. I am taking precautions to prevent interaction with others out of fear for COVID-19. Chase is forcing me to take a health risk in order to gain access to my money. Despite their " Clean Policy '' and promise to clean their branch, I am not comfortable putting my life at risk but can not cover expenses without access to my bank account in the next 14 days. If I have symptoms of COVID-19, Chase will deny my visit at the branch and will lock up my money for many more weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. After reviewing my credit report, I found discrepancies and errors that require immediate correction. Different bureaus are reporting different information, and I request a proper investigation to remove inaccurate or unverifiable items.

According to FCRA 611 ( 15 U.S.C 1681i ), you are required to conduct a reasonable investigation within 30 days. Please investigate and remove the following negative items from my credit report : Charge-Offs 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documents to validate my claim. If any of these items can not be verified, I request their immediate deletion as required by law. Additionally, I request a fresh, updated copy of my credit report once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX 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 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

XXXX, XXXX, and Experian have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.
Product: Debt collection

The collection agency never spoke with me about debt.

The collection did not notify me by mail/or electronically about the debt.

I have not received a debt validation letter from the from the collection agency.

My report from collection agency does not have the payment history of the debt from original owner.

or at all.

The credit report does not show original date of opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER XXXX CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am XXXX XXXX > holder in due course for the XXXX XXXX TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT XXXX XXXX!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!! XXXX XXXX  IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open accounts up in my name
Product: Credit reporting or other personal consumer reports

I sent in a letter of dispute on several occasions requesting an investigation and asking for the method of verification and they never sent the info and just came back as verified with Experian. I am filing this complaint regarding an inaccurate items on my credit report with Experian that continues to report negatively and continues to impact my credit. Despite my efforts to resolve this directly with the company and Experian, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history. The XXXX items are XXXX XXXX for {$150.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX for {$5600.00}. I requested a dispute directly with each company and then Experian asked for an investigation and the method of verification being used and nothing was provided I just received notices stating it came back as verified by the company as my debt but provided no method of verification, which by law I am entitled to as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states 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.

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report.

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter.

Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Vehicle loan or lease

In XXXX, I moved to XXXX. I went to the XXXX promptly to get a license and register my car. In XXXX, they need to hold the title for financed vehicles before they will register your car, and they submitted a request for the duplicate title to Audi Financial Services at that time. When I returned to the XXXX in XXXX, Audi Financial Services had not sent this title, so I contacted them directly to prompt them to do so. They told me they would do that. I have been to the XXXX four times so far since XX/XX/, and Audi Financial Services still has not honored this request. I have contacted them at least two more times, being given different excuses each time. XXXX has submitted another request for title on my behalf and I sent a copy of that same request via XXXX to Audi Financial Services in early XXXX ; I have received no notification from Audi or the state of XXXX that the title has been received by the state of XXXX. At one point, Audi Financial told me that the state of XXXX- the state I moved to XXXX from - was in possession of the duplicate title ; I called the state of XXXX DMV promptly following this call and was told that they had returned it to Audi Financial Services. Another time that I called, Audi told me that their title services were " down indefinitely ''. I can not refinance my car, register my car, or get new car insurance because of Audi 's delays. I also have to return to the XXXXXXXX XXXX regularly to get temporary 30-day registrations. This is absurb and I am tired of being lied to. I faithfully make my payments on time and have since I purchased this car ; and this is a service that Audi Financial should promptly provide. I won't ever buy another VW or Audi again after this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my personal financial information to the XXXX XXXX XXXX XXXX : EXPERIAN, XXXX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law : XXXX, Date : XX/XX/XXXX, AccounXXXX 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 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 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 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immediately! 15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed.
Product: Mortgage

In early XXXX I received a letter for a trial period to complete before a loan modification would be granted. I completed the period early. I have documented every payment. I was told to wait 30 days for the new loan documents to be sent. I have informed delivery on and the documents were never sent. I confirmed this with their rep XXXX. I asked for the tracking number or proof of sending them certified, and he agreed there was none. I was sent to foreclosure in mid April for 'not having the documents notarized and returned. These documents, they have no record of ever sending. I have called every 3 days as recommended to follow up and be sure I was moved out of foreclosure and the documents could be reprinted and sent by certified mail. Finally on XXXX I was told the documents were generated and I have to call back on XXXX to see about certified mail tracking number. When I called today the rep said 'Wait 30 days and we will send them in the mail '. This is NOT acceptable. CCM failure to send the documents in XXXX led to be being thrown in foreclosure once! I asked to speak to the supervisor 3 times on this call and the rep started reading a script about partial claims program, and ignored my request. Since the documents WERE approved to be reprinted on Monday, its unacceptable to go 30 days without any proof or tracking on them in HOPES that CCM performs their responsibility and I still don't have confirmation that I am out of foreclosure due to their error. Finally their rep, XXXX told me there is no team lead or supervisor that can speak to me. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX FL XXXX Transunion Legal Compliance Department NOTICE : CEO & Legal Compliance Department According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you furnish on a credit report and credit file. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Lawful Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively lawfully verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of lawful verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be lawfully verified or removed immediately. 

Name of Account Account Number Provide Physical Lawful Verification XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Sincerely, XXXX