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

My name is XXXX XXXX and I own a XXXX that XXXX XXXX XXXXXXXX XXXX XXXX XXXX which include a fully automated robot. This software is available on XXXX XXXX 

For 8 years I have maintained an account with PayPal and run all XXXX XXXX  through them, including but not limited to invoicing, collecting payments, paying XXXX XXXX, XXXX, XXXX XXXX  etc. In addition I pay myself as needed to pay my personal expenses. 

On Friday XX/XX/2021 I was notified by PayPal via email that my account was being closed and all funds were going to be held for 180 days. There is over {$240000.00} in that account. My life savings. 

The email was generic which claimed that I have breeched their policy and the email claimed fraud. This is a general email.

I appealed the decision and within 1 hour was denied. 

PayPal has given no reason, not allowed me to speak with the person ( s ) liable for the decision in this matter and will offer me no opportunity to defend myself or the allegations. 

I have been denied due process and as all my savings were in PayPal I will be unable to meet bot business and personal expenses which include my mortgage, car payments groceries and life and health insurance! This during a pandemic! 

PayPal has no regard for the inaccuracy of their action, has denied me even the ability to respond to an open complaint from PRIOR to closing my account and is acting in a manner that should be illegal. 

In fact, PayPal has lost several class action law suits based on this behavior and clearly feels that it is in their best interest to continue to harm the " little '' guy. 

I need my money. I am XXXX and can not afford to have my life insurance or health insurance lapse. 

Please help. 


Kind Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file immediately.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681CXXXX a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Money transfer, virtual currency, or money service

I had a friend deposit money into my PayPal account on XX/XX/2020. The transaction ID was XXXX he does a lot of charity work so it was posted by the state of Arizona XXXX because thats his business account. He deposited XXXX $ into the account and PayPal froze it. I had it deposited into the account to pay bills. I purchased a PayPal debut card so it would be easier to pay my bills online or over the phone with the debit card. I have only had 3 deposits on PayPal. I dont use it to buy or sell things. I realize PayPal is not a bank but if they have a debit card that you can get why would they freeze my money so that I could no longer use it? I am not interested in having my account back I just want to be able to transfer my funds into another mobile banking account. They are saying it will take 6 months for them to allow me to tansfer my own money into an account. Im behind on my bills already and Im about to get evicted. Please help me any way that you can. PayPal is not letting up on my account being unfrozen. I have never done any type of fraud or anything wrong for them to do this to me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint is in regards to the response this company provided to a previous complaint where they provided a lease agreement and a document showing I was still living on the property on XXXX XXXX and moving out the XXXX  which is incorrect. I moved out of the property in XXXX not XXXX, by the time XXXX came around I was already paying my new landlord by that time. I have documents to prove this fact which I will be providing to the complaint. If they are unable to provide documents to support their claim then they need to delete this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a certified letter to Experian to investigate how they are reporting a payment status on XXXX closed accounts. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. I believe this to be a ridiculous response considering, XXXX ) The accounts are CLOSED and was paid in full XXXX ) The payment status is not reporting inaccurately because of the creditor it is the way Experian is reporting it XXXX ) A payment status is to report as the " CURRENT '' Payment status. 
XXXX ) They are reporting a derogatory payment status on XXXX paid in full closed accounts. Experian is reporting them as, " Paid was past due 30 days XXXX times or more '' and " XXXX was past due 60 days ''. 
The accounts are BOTH closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. Ive included both certified letters, as well as a copy of my credit report on both accounts with the inaccurate information highlighted.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 XXXX XXXX XXXX sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5-77 ) require that you honor this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the applicable provisions of the federal and state Fair Debt Collection Practices Acts and the federal Fair Credit Reporting Act, this dispute to the inaccuracy of the following item posted, which is incorrectly attributed negatively to my credit reports : ( 1 ) Account Name : XXXX XXXX XXXX ; Account No. : XXXX. Appears on my credit reports as a late payment in XX/XX/2022. However, that I was never late in making this payment as his mortgage account was being transferred to a new servicer and he indeed timely paid over the phone. However, the servicer who took his payment had a glitch which resulted in XXXX XXXX payment not going through. Upon discovering this, he immediately made another payment. But a late payment was nevertheless Reported to the credit bureaus even though this was not my fault. It was the payment system and the representatives of XXXX fault. Therefore, at this time, I hereby dispute the accuracy of this late payment and demands that you immediately remove this late payment remark from my credit report. 

Incorrectly reporting this item by XXXX is what predatory lenders that degrade communities and borrowers ability to maintain great credit to stabilize communities and neighborhoods.
Product: Credit card or prepaid card

To begin with thank you for taking a look at this. I hate to say it has only gotten worst since the fist complaint. When I wrote you I had written anyone and everyone I could trying to find someone to help. I got an email from Gov. XXXX 's office saying XXXX requesting XXXX reopen my account so I could file for benefits. With in a week I was set and ready to receive benefits. I called the card company to have them close the fraud account, and open a separate one for my self. Person I spoke with said I couldn't do that, but change my address, charged me {$20.00} dollars to get the card 15 to have it shipped in two days. N the date XXXX & XX/XX/XXXX of XXXX deposits where being added to my card until the 2nd from the last, then there was withdraw of {$3900.00}. The card company said that XXXX  DID IT, the fraud department said it said XXXX did it, XXXX said they did not show they didn't show they didn't do it, I would have to deal with them myself. Finally XXXX  emailed me saying it was the card companies mistake and I should get the money any day that was another week ago, the gentleman I was dealing with hasn't responded since the XXXX. And as far as the card company they have the rudest Customer service department, waits as long as 3 hrs. And I still can't use the on line account because the old user name, password and email are still set up from the fraud. When I try to reset, it sends it all to the fraud account email. So other than calling them, I have no way to talk to them, I've spent over {$20.00}, in charges to contact someone. So to be honest, I don't know who has the money or who you should talk to. It has been over 14 weeks since first day that I had filed ( XX/XX/XXXX ). Because of this I've used all my savings, maxed out 2 Credit cards, lost assets, my place to live, dropped my credit score, and spent more time on hold going back and forth, than able to job search. All I want right now is the {$3900.00} back right now so my son and I can get back in our house. I'll send you the 3 most recent Emails I have gotten other than that until I can get inside of my online account and send a copy the transactions. 

Thank you XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter to appear XXXX XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by XXXX XXXX XXXX, XXXX ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the XXXX that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX County Superior Court. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card

I paid off my card in full on the XXXX due date. 

On the XXXX due date, there was a trailing interest balance of {$44.00}, due XXXX. I paid it on XXXX. This would have resulted in a balance of XXXX -- there is no trailing interest charge on the trailing interest. 

I was then charged -- without it being entered on a statement -- a {$0.00} charge for trailing interest on the trailing interest. When I contacted the creditor, they said the only way they would waive it would be as as a one-time courtesy credit basis. I will not use up my one-time courtesy credit on something that is not allowable or legal. 

I demand that the {$040.00} of interest on the final interest be waived and that it not be a courtesy credit.
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 XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion due to negligent practices in handling my credit report, which has led to the inclusion of incorrect names and addresses in my credit file. This lack of control and verification of information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604, and negatively impacts my rights as a consumer.

Upon reviewing my credit report, I found that TransUnion included names and addresses that do not belong to me. This erroneous information is creating an incorrect association on my profile, unfairly affecting my credit history by presenting data that does not correspond to my identity and may mislead those reviewing my report. 
Specific Areas of Concern Negligent Association of Incorrect Data : TransUnion has linked names and addresses that are not mine, likely due to inadequate controls. This problem affects consumers like myself by providing lenders with inaccurate information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : My rights under the FCRA include the assurance of accuracy in my credit file. TransUnions failure to verify and report only correct information infringes upon my rights as a consumer.

Retention of Information without Legitimate Evidence ( FCRA Section 605 ) : TransUnion has also retained unauthorized information, such as employer data, without evidence justifying its inclusion in my file.

Negligent Reporting of Unnecessary Information ( FCRA Section 604 ) : TransUnion continues to retain irrelevant information, such as incorrect phone numbers and personal details, which does not comply with legal requirements.

Request for Intervention and Resolution Given the seriousness and persistence of these issues, I request CFPB intervention to ensure that TransUnion : Strictly complies with the law by removing all incorrect names and addresses that are not verified as belonging to me.

Implements corrective and preventive measures to ensure the accuracy and legality of the information it reports.

Is required to ensure that, in the future, only authorized and legally valid data is maintained in my file, as required by the FCRA. 
Thank you for your attention to this complaint. I urge prompt and firm action to enforce FCRA regulations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX : Supporting Documentation
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I submitted a inquiry to the XXXX XXXX executive team to inquire why my accounts ( XXXX XXXX and a XXXX XXXXXXXX ) were closed without warning from their company. I had previously called this company prior to the account closing to indicate that the payment account that I used had been hacked and he money removed. I was told I would be contacted and instead upon logging on I saw that my account was closed without warning. I never received anything in writing from this company and even after I submitted the emails, they called me and refused to provide me with anything in writing. Since fraud was committed on my account and was reported to them when the accounts were opened, these accounts both need to be removed without haste from my credit report. Additionally, they can not sell these to other companies to collect the debt. This entire thing has been handled maliciously especially when I reported the fraud and hacking as soon as I was made aware. This company did not do their due diligence in resolving the issue and providing me with anything in writing as I repeatedly requested. 

My complaint is regarding the accounts, not inquiries. Your previous investigation did not address my concerns nor did it correct the problem on my credit report.
Product: Mortgage

My mortgage is with Carrington Mortgage Services. I have been making my payments electronically but the company has been continually returning the payments. I'm now 6 months behind and an appraiser came to my home a week ago saying he was doing an assessment of the property because it's in foreclosure and scheduled for sale on XX/XX/19. I NEVER received any notification of foreclosure. I never receive statements of my account. I had called when I was a few months behind and they agreed I could make weekly payments to catch up but again they returned every payment. Today I had to go to my parents to get the {$6500.00} to stop the foreclosure. That amount includes over {$2400.00} in " other '' costs. This company is terrible!!!! Someone needs to investigate their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS MATTER DATES BACK TO XX/XX/2022 OF LAST YEAR. EXPERIAN HAS FAILED TO UPDATE AND REPORT ACCURATE AND COMPLETE INFORMATION THAT IS NECESSARY AND REQUIRED INFORMATION RELATED TO MY CREDITORS AND OR CONSUMER CREDIT FILE.THERE HAS BEEN A INTERNAL AND SYSTEMATIC ERROR THAT IS CAUSING A BLOCK AND OR ACCESS TO CREDITORS INTERESTED IN EXTENDING CREDIT TO 'ME '' AS THE CONSUMER.THERE IS ALSO MISLEADING INFORMATION VIA WEBSITE AND MOBILE APP AS IT RELATES TO MY EXPERIAN CONSUMER FILE WHICH IS CAUSING HARMFUL AND ADVERSED EFFECTS. I THE CONSUMER HAVE BEEN TRICKED into taking actions that were in the best interest of the company but that led to MYSELF BEING harmed a tactic known as dark patterns. I'VE HAD credit card offers THAT were subsequently denied AND credit scores ACTUALLY damaged. UNNECESSARILY COSTING ME time and subjected to unnecessary credit DENIALS AND ACTUAL DAMAGES. EXPERIAN HAS SHOWN PROOF AND REFLECTED ON RECORD A CLEAR VIOLATION OF 15 U.S. CODE SUBSECTION 1681N- CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}
Product: Checking or savings account

Hi- not sure if you can help or if i even have the right department. yesterday XX/XX/21 i went online and gave a down payment for a puppy which I should have investigated more before sending my payment thru Zelle. i called my bank but because zelle already process the payment now its up to the scammer bank to refund me the money if they even do so.
Product: Checking or savings account

My XXXX tax refund was mistakenly deposited into a unknown Wells Fargo checking account. This account does not belong to me or anyone who I know. The money was taken by whoever owns the bank account. The money was never returned to me. I submitted a complaint with Wells Fargo, # XXXX, and I have tried to contact XXXX XXXX XXXX XXXX but she is unresponsive. My complaint was closed because they said she could not get in touch with me, this is untrue as my lawyer and I have been calling and leaving voicemails. I would like my tax refund to be reimbursed to me. I should not be penalized just because the money was deposited into the wrong account. Wells Fargo should be required to conduct an investigation of this unauthorized deposit.