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

On the evening of XX/XX/XXXX, I purchased an item online using PayPal as means of payment. This is the first time I have ever used PayPal account. On XX/XX/XXXX, PayPal transferred {$39.00} from my bank account then immediately sent me an email stating there was unusual activity on my account and immediately locked me out of my PayPal account. All efforts to resolve the issue have been futile. My attempts to call PayPal regarding the problem have been futile. I have sent numerous emails to PayPal trying to resolve the issue and demanding a refund back to the same bank account they withdrew the money from. I keep getting messages about unusual activity on my account and to login to my account but it is impossible to login. I wrote to PayPal through regular mail on XX/XX/XXXX requesting a refund and for some one to contact me. PayPal has ignored my requests for a refund or any effort to a resolution.
Product: Credit card

In felony retaliation for me a CFPB complaint to regulators and in order to teach me a lesson, a Best Egg employee criminally falsified bank records and invented a false charge against me that I said the agent was XXXX  when I alleged racism ( I made no comment about the race of the agent ). What has now put me in imminent fear of my life is there now appears to be felonious criminal conspiracy to falsify bank records in order to retaliate against me for complaining to federal regulators. This is unlawful witness tampering. The agent then said that a supervisor couldnt speak to me because the supervisor was speaking to more important customers ( of a superior race ). the agent yelled at me for 20 minutes like I was a dirty animal because I was complaining about her friends.
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, resulting in numerous fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to remove these inaccuracies. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect the prompt deletion of these fraudulent entries to restore the accuracy of my credit report.
Product: Checking or savings account

WE have checking account with Capital One on XX/XX/2021 I sold my car to XXXX XXXX for {$2900.00} and deposit the check on Capital One checking account, and on XX/XX/2021 I received email from Capital one that the checking account had unusual activity and I need to contact them I contact them and they told me that they need to talk to XXXX XXXX about the check, I gave Capital one XXXX XXXX telephone number and XXXX XXXX also tried to Call Capital One twice by himself, were put on hold for 1 hour then got hang up my checking account has been frozen since XX/XX/2021, which cause a lot of problems, I can not use my money in the account the {$2900.00} check clear on XX/XX/2021 but my checking account still frozen why do my whole checking account frozen?, seem like the reason for this is because I deposited the check which is good and clear please investigate this matter for us Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Vehicle loan or lease

Westlake financial services has me stuck in a preditory loan. 
I have already paid off the loan amount yet they keep saying i owe them thousands. At advice from attorney i still keep paying them. I sent them a demand for title letter. They repossessed my truck not once but twice oweing no money. Cost me {$2300.00} total so far in have to get it back twice. They will not contact me at all just i wake up and my truck is gone. I have lost contracts and lots of money over this. 
I have to park my truck sideways as they will just take it without any contact. No letter, no email, no call. Stating they have a do not contact order from me. Well i get spam emails and other forms of mail plus spam calls from them all the time. 
I cant even trade it in to get out from under them as they have account closed on my credit yet my truck is sitting right in my driveway. They refuse to report but every 4 months to the credit reporting agencies. 
Im tired of this, im over stressed and get nowhere with them in this matter. I was advised about all the lawsuits that have gone on with them over these same issues.

I just want the title to my truck and westlake out of my life. They hinder my business with these games and ive over paid thousands. 
What can i do to get out of this.
Product: Mortgage

I have been attempting to get my mortgage company movement mortgage to recalculate my escrow using my accurate taxes. I have now three times provided them with documentation from the city/county stating my tax amounts. Currently they are forcing me to pay an extra {$400.00} on my escrow/mortgage bill because they have my taxes wrong. Initially their company asked me to email the proof of tax change to an email address and just wait. I did this and fortunately called to hear that this email address was the wrong location ( 2 weeks later ). I was then asked to submit the documentation through another website. The are refusing to provide any proof of submission. My taxes were approved for my lower rate according to the county as of mid XXXX. This company states that they do not see my taxes being at this rate. I have provided plenty of documentation and called the county who have verified several times that these are my taxes. Meanwhile this company is still requiring me to pay the additional amount monthly for these non existent taxes and will not provide a timeframe as to when they plan to fix this issue. This company needs to fix whatever the miscommunication is as to where to send tax documentation, fix my escrow payment and provide me with a full refund for the > {$1200.00} they currently owe me that I have overpaid on my escrow at this point BEFORE the end of this month and they require me to pay the additional amount again ( leaving me with an overbalance of {$1600.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Student loan

On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.
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. 

Acct Name Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

On XXXX I tried to send money via Cash App. I received a text that the money was going to be refunded for my protection. I tried sending {$200.00} twice for a total of {$400.00}. After 2 months, my digital wallet is still showing {$0.00}.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, a call from XXXX contact me, he claims he belongs to XXXX XXXX XXXX, and claims that there is a package with my name contain 4 credit card, and transfer me to police, and then the " police '' said that I involved into a global money-laundering crime, and claims that I am one of the suspects,  in addition, he claims that this is country top secret and make me download an app in XXXX App store called " XXXX '' to contact with " security ''. After a few days, with everyday calling and pretend as police to threaten me since I was just a college student, he said that I can afford recognizance to ensure I will not be forced to leave America. I was afraid at that time since every day threatens, I forget the role between America and XXXX and trust his saying. On XX/XX/XXXX, I use wire transfer on Chase website transfer XXXX dollars to them, On XX/XX/XXXX, I transfer another XXXX dollars. This account located in XXXX XXXX, since after transfer, they delete the chat history, I only get some information but I think this is enough to track this account. The Chase wire tracking number for XXXX is XXXX, for the account owner information is XXXX TO XXXX which is the account owner name, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is the address. The bank is XXXX XXXX XXXX XXXX  XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Since I was in semester final last month, it takes me a long time to finally realize this is just a scam, I was totally regret what I am doing, I also realize that I leaked too much personal information including my name and address and my XXXX ID. Recently, these cheaters contact me again in order to get more money and also threaten me on " XXXX '', currently, I try to not reply or reply with ambiguous word, but I am afraid since I leak my address, I have already called the local police, but they transfer my case to a special detective and give me a number saying that this number will contact me, but two days already, no one contact me yet. I find this website from our XXXX consulate page about " How to deal with telecommunications fraud in the United States? '' so I contact you guys, I hope you guys can help me, PLEASE! I can attach the information I have collected on attachment since these documents have my personal information, I hope you guys do not leak it.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Also we can't pay for the medicine that we need to buy, just because they are holding our money. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.
Product: Vehicle loan or lease

Duty pursuant to the FCRA , it is XXXX  duty to be reporting correct and accurate information on my credit report and
Product: Vehicle loan or lease

I applied for credit with chase Bank in XX/XX/2023 and was denied..an do to usc 1601 to 1681 I can't be denied an extension of my own credit for any reason resulting in discrimination
Product: Checking or savings account

In a foreign country, through a scam of sorts, an unauthorized person gained access to my PIN number. This happened just after the individual stole my debit card, of which I also had no knowledge. This person proceeded to make withdrawals from an ATM before I realized what had happened and was able to lock the card. Chase Bank refuses to pay back according to requirements laid out in Regulation E of the EFTA, because they can not prove fraud. Upon asking one of their supervisors ( on a recorded line ) to expand on what would be required to prove fraud, she told me, Theres nothing you could give us to prove fraud. Since your PIN number was used, this will not get approved. I offered XXXX footage from the ATM and from the place that I was at the time of the unauthorized transactions to prove that it wasnt me, and she said that it didnt matter. Nothing would help me. I talked to another supervisor who told me that I could submit information for them to re-investigate the claim, but other than ( possibly ) fulfilling the minimum requirements of the federal government ( and XXXX be checking on this to pursue legal action ), they are doing absolutely no investigation whatsoever. This even occurred on XX/XX/22. I notified the bank on the same day of the fraudulent activity ( within the 2-day requirement ). On XX/XX/22 I received a letter stating that they would do nothing and would be removing the temporary credit theyd given me.
Product: Debt collection

I have disputed this debt many times they have not been able to verify or sent me actual proof it belongs to me but still report this inaccurate and unverified debt to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian asking them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my complaint is because innovis is reporting an account that's MISSING PAYMENT HISTORY the account is XXXX XXXX XXXX XXXX # XXXX. According to FCRA if an account is reporting INCOMPLETE, INACCURATE or unverified information it must be deleted. Attach to this I am providing you with a copy of my credit report page where it shows the violation also I am providing you with copy of my ID and SS card to prove my identity.
Product: Payday loan, title loan, or personal loan

I took out a loan with Tower Loan XXXX on XX/XX/XXXX. During that first 6 months I was able to make payments conveniently via online or by phone monthly. Due to an error on my part there was an XXXX for the XX/XX/XXXX payment which was immediately addressed and paid. It was then difficult to conveniently make payments to my loan. The companies online and phone systems are not available to me for convenient payment options. Tower loan will not accept payment via check nor debit card from me because of this one account oversight with the XXXX The representative advise that I must come in person to make these payments as I am locked out of these convenient payment options for a full one ( 1 ) year due to one XXXX  on my payment history. The office hours and travel time of over XXXX minutes to their nearest locaction to pay in cash make it extremely difficult to make my payment in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accountsis updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$480.00}
Product: Money transfer, virtual currency, or money service

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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$550.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my. account transactions.
Product: Debt collection

I HAVE BEEN TRYING FOR A WHILE TO GET THIS RESLOVED SO I AM TRYING AGAIN - I HAVE NEVER GONE TO XXXX XXXX AND THEY ARE TRYING TO COLLECT ON SOMETHING THAT WAS NEVER PROVIDED -