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

We opened a teen account with Finco Services , Inc. d/b/a Current that has an annual fee. That account was no longer desired, and we attempted to close it. When we opened the account, the parental funding source was verified. During the time we had the account our bank was purchased and/or merged with another bank. My funding sources with Current then accordingly needed to be updated. Current now claims it is unable to verify my bank account as a funding source and is unable to close our account until funds have been withdrawn. Yet Current provides no opportunity or option to easily withdraw my funds. 

I have chatted with multiple representatives, and all of them have been unable to assist. They all just tell me the easiest way to withdraw money is through my ACH XXXX XXXX, but they do not recognize that their platform is unable to verify my funding source. The effect of this is that my money is being held hostage by Current. I spent all morning on XX/XX/22 with several representatives. The first one explained that a record of the chat would be stored so that I would not have to start from the beginning with a new rep. The second rep advised that no records of chats are stored. I finally had a representative allegedly agree to process a paper check, but I will not be receiving a check for at least 14 days, and I do not have faith that I will receive that money. The total os {$490.00} of my child 's money. A review of this website and Current 's social media websites reflects that a number of people have the same complaint about the difficulty of closing an account with them and retrieving money out of accounts. 

I also advised them that I have attempted on multiple occasions to close the account to stop being charged the annual teen account fee, and yet I have been charged that fee repeatedly without consent.
Product: Money transfer, virtual currency, or money service

Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  XXXX {$150000.00} XXXX   XXXX XXXX $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX   XXXX {$550.00} XXXX  XXXX {$550.00} XXXX XXXXXXXX {$4600.00} XXXX   XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXXXXXX {$53000.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a XXXX term. 

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to NewRez/Shellpoint XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, NewRez doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and NewRez/Shellpoint have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I have no knowledge of them, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding Ally Financial for inaccurately reporting information on my credit files with XXXX, XXXX, and XXXX. The discrepancies across the three bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that Ally Financial corrects these errors and aligns the information accurately across all credit bureaus.

Account Details : Creditor : Ally Financial Reported Issues : Inconsistent and incorrect reporting across XXXX, XXXX, and XXXX Issue Summary : XXXX. Inconsistent Reporting Across Bureaus : Ally Financial has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted Ally Financial to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit Report Period XX/XX/XXXX Account Number XXXX  Condition Derogatory Responsibility Individual Current Balance XXXXXX/XX/XXXX Original Balance i sent XXXX the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX   Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease OpenedXX/XX/XXXX ReportedXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed XXXX and Experian has this company XXXX account number XXXX which is a collection account reporting as a open account on my credit report. It also displays a past due balance According to the F.C.R.A law this is not in compliance with F.C.R.A and I can have this account removed. Ive tried disputing this several times using the dispute services of the credit bureaus to no avail. The credit bureaus do not truly investigate they simply re-report what information they have. After continuously violating the F.C.R.A laws the compensation is removal of inaccurate information but they simply updated and attempted to correct whatever they could which is again unlawful acts and or a direct disregard to the rules of the F.C.R.A.
Product: Credit card

On or about XX/XX/XXXX I opened a case with pay pal regarding a purchase I received. On XX/XX/XXXX they requested more information see Screen Shot XXXX at XXXXXXXX XXXX.png below. On XX/XX/XXXX they requested tracking # see Screen Shot XXXX at XXXXXXXX XXXXpng below. The problem I have is they state case was closed because of improper tracking on XXXX please see Screen Shot XXXX at XXXX XXXXpng. Not true based on the screen shot Screen Shot XXXX at XXXXXXXX XXXXpng Shows derived on on XX/XX/XXXX. Issue I have they claim I was to provide tracking by XX/XX/XXXX. Thats impossible because the post office is closed on Sunday XX/XX/XXXX, Now see Screen Shot XXXX at XXXX Clearly states on their website I have unit XX/XX/year>. Problem I have is now is I have provided all the information as requested. The seller now has the merchandise. Pay-pal will not hold up honor what they have negotiated, and now says I am out {$320.00}. This is fraud unjust enrichment, also is against the law. Can you please help as you are my last resort. This is what the CFPB was designed for to consumer See case number XXXX
Product: Debt collection

PROFESSIONAL DEBT MEDIATION XXXX {$840.00} I have reached out to this creditor on several occasions, this account is reading that I owe {$840.00}. I don't owe them any money and would like to have this account removed from my credit report. They have failed to provide me with any information of a breakdown or reason why this account is showing on my credit report. I've reached out to them for a validation letter including any type of information providing this account belongs to me. My information was involved in a data breach and I'm afraid this account was a result of that unfortunate circumstance.
Product: Credit reporting or other personal consumer reports

I bought a truck XXXX, the truck was having lots of issues, it was sold to me as a clean title but the truck was a Lemon, I tried contacting the dealership yet I got no response, spoke to the creditor to return the vehicle, and I did, they marked it as a repossession, they sold the vehicle at auction as a clean title, and I never got any information, I found out about everything till I checked my credit report and there was a charge off and a closed account, I tried contacting the company and filed a complaint with the XXXX XXXX XXXX, their response was just false allegations including a response letter referring to me with a different name, I responded to that stating that all of the information was false, including the name on the letter therefore they lost credibility with their records, their response was just that it was a typo, being a professional company I find it unethical, they didnt not resolve the issue in any way, all they say is that I dont have any new information and I dont because I never received anything I believe they are doing fraud, their reviews on XXXX  are all the same they have done the same to many people, my account was closed and charged off in XXXX and they have updated the balance on the account since I have made these complaints, I see this as retaliation all I ask is for them to remove this charge off off of my credit report and the response I get is them just wanting money, and false allegations.
Product: Debt collection

In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$1800.00} is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Product: Debt collection

Fix my credit now or face legal action! I've told you multiple times to remove the false information from my credit report, but you're ignoring me. You're breaking the law by not investigating and fixing the inaccuracies as required by the Fair Credit Reporting Act. This is your final warning comply or get ready to be sued in my county. Your unprofessionalism is disgusting, and I'll make sure to exercise my rights under the FCRA to the fullest extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious issue with my credit report that has been causing me considerable financial harm and emotional distress. It has come to my attention that XXXX, XXXX and TransUnion, the credit bureaus responsible for maintaining my credit history, have incorrectly reported a bankruptcy on my credit report that does not belong to me, despite providing all necessary proof to demonstrate that the bankruptcy is not mine. I have already reached out to each bureau multiple times. I have submitted a letter from XXXX XXXX where XXXX XXXX has removed this false information from their files, yet the bureaus are refusing to comply! 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) obligates credit bureaus to ensure that the information they report is accurate, up-to-date, and complete. The FCRA also requires credit bureaus to investigate disputes within 30 days and, if the dispute is found to be valid, to promptly correct the erroneous information. 
In my case, I have complied with all the requirements of the FCRA by disputing the inaccurate bankruptcy information and providing all the evidence to show that the bankruptcy is not mine. However, the credit bureaus have failed to correct this error on my credit report, which has resulted in significant financial harm to me. 
I would also like to draw your attention to the Consumer Financial Protection Bureau 's ( CFPB ) mission to protect consumers from abusive and unfair financial practices. I believe that the credit bureaus ' inaccurate reporting of the bankruptcy on my credit report violates this mission, and I would like to request that you investigate this matter and take any necessary action to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
I kindly request that you inform the credit bureaus to provide me with a copy of my updated credit report after the erroneous information has been corrected. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX attached are the same bs letters they keep sending me, along with the XXXX UNVERIFIED AND REMOVED letter. than you!
Product: Checking or savings account

We a XXXX  XXXX  with which we used to receive regular monthly payments from XXXX XXXX XXXX XXXX a.k.a. XXXX via ACH. We opened a new account with Bank of America and ever since we have been unable to receive these funds electronically because Bank of America keeps rejecting the ACH deposit from XXXX XXXX XXXX XXXX a.k.a. XXXX. As a result, we have had to deposit manual checks from XXXX XXXX XXXX XXXX a.k.a. XXXX which has resulted in additional fees. In XXXX we deposited our first check into Bank of America via Mobile deposit without any issue, and typical XXXX hold time. Last week on XX/XX/23 I deposited another check at the branch. I was not advised that there would be any hold beyond the typical XXXX time, as before. A few hours later, Bank of America advised me that there would be a 15-calendar day hold on this check, because " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Now mind you, not more than 30 days ago we deposited a check for roughly the same amount and from the same company and same account and it was paid, without issue. The check was drawn on XXXX. XXXX has confirmed that the check was paid. Bank of America is refusing to acknowledge that they have received the funds and stated that even if they do, they will not release the hold. Bank of America has placed this hold strictly as a punitive measure on our account because one, we have a very low balance and two it was overdrawn by their fees at the time of the deposit. There is nothing abnormal about this check or transaction that would cause the hold to be placed otherwise. I have tried to reason with them, but they refuse to budge. Bank of America rakes in BILLIONS of $ $ $ $ in profit every year on the backs of poor and working-class people and micro businesses and their policies such as they unreasonably long funds hold in spite of already receive the fund punishes and pushes people like us further down the run of society bearing the brunt of fees for no reason other than to line the pockets of the wealthy.
Product: Debt collection

some time around 2018 there a wall XXXX credit card that was sale to a company my the name Midland credit management i have been pay on this account for three year it should not have gone the collect department of midland credit because i was never late. this collect is on my XXXX  report why i do not no. two-month midland credit contact and ask could they take a payment out of my account on a month base. if i let do this would you remove this from my credit report and the guy said yes and i will give you a balance XXXX and not XXXX so therefore the balance be XXXX so went i check my credit report this Moring the balance was stilXXXX and that was wrong. so said to they Iam going to report ytou all to cfpb servicer. it should never be in collect anyway. and that the problem they purchase this from XXXX XXXXXXXX bank who purchase it from XXXX  and that was illegal therefore against the law
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all inquiries, 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: Debt collection

On XXXX sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.