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

I dont like banks. Bankers even less so. They fancy themselves as some sort of magicians of finance when in reality theyre basically cash register clerks. I must begin this review by saying I ma not making this up. It actually happened. And like XXXX minutes ago. Anyway ; I am a freelance chef on yachts. On XXXX I was paid a meager sum of {$3500.00} for work Id done and XXXX and behold they pay me with a check. Now ive run into this before so I opened up a Bank of America account at a brick and mortar because as much as I love revolution and XXXX XXXX and XXXX they wont cash these checks. This is all my money to get me to my next XXXX mind you. So on XX/XX/XXXX I go in and deposit it. They tell me there will be an extended hold placed on the check because its from another bank. In XXXX though, not XXXX or XXXX. Calmly I inquire cant you just call the bank? This was issued by someone who just bought a XXXX yacht for {$9.00} XXXX, I have all the paperwork down to the crew manifest and causing permit, can you do anything? As you might have guessed they can do nothing. Except smile with the smug satisfaction that they somehow have inconvenienced a customer. That was seriously my impression. Anyway, fast forward XXXX days later. The hold is set to come off at XXXX and its XXXX XXXX the day before. I go in and plead with the bank XXXX that I am XXXX and have been for XXXX days. Can they help me at all? Maybe release a XXXX dollars so I can eat. The money is there, in fact as far as the bank is concerned its released at XXXX. Without looking up from his computer monitor where he was no doubt surfing the web looking at cat videos he straight up suggested I go to a payroll advance and take out a loan. Yes, you read that correctly ; my Bank of America Branch Manager, the head guy of all the bankers at that bank literally gave me professional financial advice to go take out a predatory loan from a check cashing center as if I was some beggar looking for a bone. You have my money you dimwit. Not only that, there absolutely has got to be some kind of ethical issue with a financial professional giving financial advice to a banking customer to go enter into a cycle of predatory lending. I know some really XXXX people because Im also pretty XXXX and birds of feather and all that. But that is the absolute worst financial advice anyone has ever given to me. Period. The worst. All Time. And it came from the mouth of the literal branch manager of this Bank of America. Im sure youre reading this smug branch manager. I told you I would mention your XXXX  financial advice in my review. And you just smugly smiled and said have a nice day. I fully intend to run this up the chain of bigger bankers than you but being that youre all crooked as a barrel of snakes without a single ounce of ethical fortitude between all of you im sure youll probably be promoted as your bosses no doubt have financial interests in predatory bank lenders. Shame on you. This is why I hate banks and I hate bankers even more.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this decision was made in error and would like to provide the following key points for your consideration : Mistaken Limitation : I firmly believe that the limitation on my account is a result of a misunderstanding or an unintended mistake. I have always used my PayPal account responsibly and have never engaged in any activities that would violate PayPal 's policies. Compliance with Policies : Throughout my usage of PayPal, I hav
e been diligent in adhering to all terms and conditions outlined in PayPal 's User Agreement and Acceptable Use Policy. I take great care to ensure that all my transactions are legitimate and in full compliance with the platform 's guidelines. 

Request for Re-investigation : I kindly request PayPal to re-investigate my account and thoroughly review the circumstances surrounding the limitation. I am confident that a closer examination will reveal that there have been no policy violations on my part. 

Account Restoration : If the re-investigation confirms that the limitation was indeed placed in error, I kindly ask that you reinstate my account at the earliest convenience. My PayPal account is essential for my day-to-day financial transactions, and its suspension has caused significant inconvenience. 

In conclusion, I sincerely believe that my account was mistakenly and unjustly limited. I trust in PayPal 's commitment to fairness and transparency and hope that you will reevaluate my case promptly. 

Thank you for your attention to this matter. I look forward to a resolution that allows me to continue using PayPal 's services without interruption. If any additional information is required from my end, please do not hesitate to contact me at the provided email address. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the 3 credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for Experian and XXXX XXXX  months
Product: Credit card

I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.
Product: Debt collection

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX stating that they are collecting a debt of {$3900.00} with XXXX XXXX XXXX for a service dated XX/XX/XXXX. 

I responded in writing on XX/XX/XXXX to XXXX XXXX XXXX stating that this is not my debt and that I had never been contacted by XXXX XXXX XXXX and have no evidence of the validity of their claim. 

On XX/XX/XXXX, I received a response from Assured Financial LLC ( a different entity than the initial notice ). Their response included a copy of the doctor report of a medical procedure that was done on me XX/XX/XXXX. However, there is no mention of XXXX XXXX XXXX nor any indication of the source of the alleged {$3900.00} debt. It's just a report made by the doctor describing the procedure. 

The response from XXXX XXXX XXXX had a notation " PAST DUE '' in large bold letters and threatened additional finance charges, additional notice of debt, negative credit reporting and/or legal action. However, nowhere on their response was there any indication of the source of this debt nor any proof that is was incurred. 

The response from XXXX XXXX XXXX was from XXXX XXXX XXXX. The address is listed as Assured Financial LLC XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Debt collection

I am writing to dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit report.
Product: Mortgage

The reason of this report is for negligence and misconduct in our mortgage application process with Envoy Mortgage, which resulted in higher interest rate and incorrect down payment amount. The two national mortgage service license holders involved in this violation are listed below : XXXX XXXX, Senior Loan Officer MLS # XXXX XXXX XXXX, Regional Manager MLS # XXXX We were referred to Envoy Mortgage by our new home builder XXXX XXXX as their " preferred lender ''. We were provided with a rate quote at 3.7 % in XX/XX/XXXX by the loan officer, XXXX XXXX, but we were never informed to complete any documents or agreements in order to have the garuantee on that rate. We were under the impression that once the quote was sent to us, that rate was locked for closing. As we inquired about the loan process, XXXX XXXX never discloused the terms and conditions regarding the rate lock process or any action required to secure the quoted rate. In XX/XX/XXXX, as we approach XXXX for updates, she informed us that the rate has gone up and we were quoted at 4.0 % instead of the 3.7 %. Although we were misled to believe we already locked the rate at 3.7 %, we were then informed there is a payment to lock the rate for more than 30 days. We proceeded to follow the process of locking the interested rate offered on XX/XX/XXXX.  Because of the limited 30-day lock, we were forced to close by XX/XX/XXXX before the lock rate expired, which resulted in a short-turnover time and multiple mistakes on the closing paper work. 
We initially requested to put {$100000.00} for the down payment, but later changed it to {$130000.00} with written request through email to XXXX XXXX. He failed to respond to our request for this change, not even to inform us it couldn't be changed, and proceeded with the down payment as {$100000.00} on the closing documents. We had requested multiple times prior to closing to review the loan documents, which XXXX and XXXX failed to provide until the day of our scheduled closing, merely two hours prior to the scheduled closing time. We then noticed that the amount for down payment was documented incorrectly and there was no time to change at the closing. We were forced to close on the scheduled date with an higher loan amount then we agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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: Student loan

Due to some kind of technical error, which Navient was never able to explain to me, I was charged double every month in auto payments for a period of 5 months, adding up to thousands of dollars being overpaid before I realized what was happening. Upon calling them, the agent I spoke with seemed very caught off guard that this would have happened and was very apologetic. She looked into it and agreed for whatever reason they were auto deducting twice for the same payments every month. She spoke with her supervisor and assured me I would be refunded all the money that was overpaid. A month went by when I realized I had never been refunded anything. I spent hours on the phone before someone was actually able to help me, at which point a very nasty lady informed me that it was my fault this happened, and had she been the one to talk to me she never would have promised to refund the money. She refused to refund me a dime, money that should have never even been paid to them in the first place, was never owed to them but taken due to some kind of technical glitch, and that they had already promised me, over a recorded phone call none the less.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Money transfer, virtual currency, or money service

I would like to transfer money from my PNC checking and savings account to a savings account with XXXX XXXX. Unfortunately PNC is not allowing for accounts to be linked with any outside accounts. XXXX XXXX XXXX only allows money to be transferred through XXXX, which PNC is blocking. I feel as though PNC is holding my money hostage with this action, and forcing me to stay with their savings account that has extremely low interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Product: Debt collection

I moved from XXXXXXXX XXXX in XXXX and broke my lease on good terms. I moved out of state and they agreed to keep the security deposit, as I was breaking my lease. They also agreed that I left on good terms and the apartment was in good standing. Since then, they have been under new management several times. Back in XXXX, I was moving into an Apartment who said that it was on my rental history and that I would not be able to move in until that was resolved. I called XXXX XXXX at that time and sorted it out and they sent an email to the Views at XXXX XXXX ( the new apartment I was moving into ) to let them know that it was a mistake and I didnt owe them anything. I was able to move into the new apartment because of that email. I didnt hear anything else about this and have lived in several places since XXXX. I didnt know it was an issue until I recently applied to a new place. Thats when I was alerted to this on my credit, stating I owe {$2500.00}. I called XXXXXXXX XXXX  again. They are under new management and the woman I spoke to claims my file is vaulted. She said they have limited notes to view on my file. The manager said they are unable to do anything regarding my dispute of their error. I spoke with Lb gray, the collection agency they are using. That was XX/XX/XXXX or XXXX. I let them know that I never received a letter. They said they mailed one out last summer. I definitely didnt receive it, though. I let them know that Im currently disputing this with the credit bureaus and they said they can not do anything to help me until that is settled.
Product: Mortgage

I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX ( XXXX XXXX XXXX. Someone named XXXX left a voicemail stating she was calling on behalf of Southwest Mediation Service and a potential civil action would be taken against me. She also called my parents home phone and left the same message. I called back and left a voicemail. I called back again, and XXXX answered. She explained that it was an alleged debt from XX/XX/2012 and the client was taking civil action. She was very rude and belligerent and hung up on me. I called back to try to speak with a manager, and there was no answer for two hours. I left a voicemail stating that I did not want to be contacted by that person again. When I talked to her again a short while ago, she called me rude, ignorant, and told me the case was escalating to her client XXXX   something magazine.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation has occurred due to a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a limitation. PayPal has been an essential and trusted platform for me, both personally and professionally, and I have always conducted my transactions with the utmost integrity. 

I kindly request that PayPal conducts a thorough re-investigation of my case to ensure that all relevant information and details are considered. It is my sincere hope that, upon review, you will find no grounds for the permanent limitation and that my account can be restored to its full functionality. 

I understand that PayPal must take necessary measures to protect its platform and users, but I firmly believe that this limitation is the result of an error or misunderstanding. I am committed to cooperating fully with any additional verification or information you may require to resolve this matter. 

In conclusion, I respectfully ask PayPal to reconsider the permanent limitation on my account. I trust in PayPal 's commitment to fairness and transparency and believe that a second look at my case will reveal that the limitation was not justified. 

Thank you for your prompt attention to this matter. I eagerly await your response and hope for a positive resolution. 

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

Credit inquiry pulled on XX/XX/year> from XXXX XXXX  XXXX XXXX, I did not apply or initiate this application.
Product: Credit reporting or other personal consumer reports

Complaint Regarding XXXX XXXX XXXX, and Experian Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with XXXX XXXX XXXX XXXX and Experian that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with XXXXXXXX XXXX XXXX attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, XXXX XXXX alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my XXXX XXXX by XXXX points and Experian XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both XXXXXXXX XXXX and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review XXXX XXXX XXXX response and ensure that they address the theft of my car situation appropriately. 
I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Dear Transunion, This letter is a formal request for the description of the investigative procedure used to verify the accuracy and completeness of the attached previously disputed item report ( XXXX ). Please include the business name, address, and the telephone number of any furnisher of information contacted in this reinvestigation in compliance with the Fair Credit Reporting Act section 611 ( a ) ( 7 ). I must have the information requested within 15 days of your receipt of this request. It is at this time I will point out XXXX XXXX Transunion, XXXX XXXX XXXX and XXXX XXXX XXXX, et al., the courts rules each and every time that the CRA couldnt merely parrot information from creditors and the collection agencies ... that they have to conduct an independent and reasonable investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. Sending out a generic form does not contain my reason for the dispute is not reasonable. It is my hope that you will initiate an investigation regarding my disputes without any legal action.