23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for transunion concerning the account with XXXX XXXX in the amount of XXXX dollars. showing the account is paid in full and should be deleted from my report.
Product: Money transfer, virtual currency, or money service

This complaint is regarding Jpay LLC. The site allows you to send money to inmates at any facility and also to have video visits which are {$9.00} each. I scheduled 5 video visits totaling {$50.00} and will not be able to have them because my inmate has been moved to a facility that does not yet offer these services. I contacted Jpay to see if i could have my funds used to purchase stamps through them instead and was told that the money could only be used for video visits. No where in the disclosure does it state that in the event an inmate is relocated you can not use your monies toward something else if available. Jpay wants to keep my money instead of allowing me to apply it toward another one of their services. I am not asking to have the monies refunded, i am simply asking that the monies be used to purchase stamps. And also the representative i dealt with was extremely rude. I requested to speak with a supervisor and not only did she refuse to honor that request, she also hung up on me. Their number is XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up in regards of the ongoing issue and I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please help me remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX  is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/18, Experian refuses to remove incorrect personal address with apt . deleted, as my correct address includes MY apt #. XXXX XXXX reported incorrect address with omitted apt # FOUR times. Now " cautious address reported as fraud '' is on my report, causing defamation. I've lived at correct address 25 yrs., & Experian sent report to correct address. Other creditor reports correct address. Experian is either incompent or complicit to take XXXX XXXX 's side. Please investigate possible credit protection sales as motive.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically in XXXX XXXX, underscores the necessity of consumer consent for credit reporting. The identity theft and fraud provisions in Missouri 's Revised Statutes Sections 570.223 and 570.224 emphasize the severe repercussions for unauthorized use of personal information, which includes credit reporting without explicit consumer consent. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2024 in early morning around XXXX AM PST-I started a transfer with Xe - for a remittance to XXXX - XXXX trying to submit the transfer based on my inputs ( ACH debit and Bank Account Credit ) -It clearly showed XXXX business days to deliver- from end to end ( attached screenshot ) And after submitting the transfer within few hours they did verification and status online got updated to they have funds and just waiting for sending ( another screenshot ) After waiting for XXXX full business day- on XXXX I reached out to customer service chat and they mentioned it will be released only after XXXX XXXX which is much more than initial XXXX biz days promised and upon further checking the receipt they say funds will be available by XXXX XXXX which is almost 11 days since original commitment and that is almost XXXX business days. 

It is important to highlight before you commit to transfer by submit it was not mentioned only XXXX biz days language - now customer service is pointing to different FAQs whereas the website clearly says they have funds but according to XXXX they are waiting on funds and can not release before XXXX XXXX which is almost XXXX business days. 


Right now they have my funds- large amount and sitting on it without really sending- so it is clearly bait and switch
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the inaccurate accounts : XXXX, XXXX, XXXX XXXX
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 Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report. I did not authorize this inquiry, and it is unrelated to any financial transactions or accounts I have initiated.
Product: Checking or savings account

I deposited 3 personal checks into my account on XX/XX/XXXX, initially my receipt stated funds would be released in 3 business days, a day later I received an email stating my funds were put on hold and would not be available for 8 days, in total that was a 9 day hold. On XX/XX/XXXX the hold was removed and my available balance reflected the amount of deposits. On XX/XX/XXXX I went into a branch to withdrawal some funds. I had my ID but my debit card was in the car, I told the teller this. I asked could I use my ID he stated yes, I called the person in the car & asked if they could just bring it in which they did. The teller asked for an override from the supervisor on duty before I retrieved my debit card due to me not having it, I stated to the supervisor I now had the debit card and showed her this with proof of license. The supervisor looked at me and continued to input some things in her computer 5 minutes passed she asked me to have a seat and went to the back with my ID, 5 minute later she returned handed me my ID and stated they would not be able to process my withdrawal. I asked why and she said we just cant! I tell her you all held my funds for 8 days and just dont tell me anything? She said yes. I leave and immediately call customer support, who stated they had no information on why the funds were held and referred me to risk management who then referred me to client relations. Client relations had no information on why the my account was hold. Im frustrated at this point I hang up and call back the next day same scenario. I call Saturday someone states my account is in the process of closing I ask why she stated thats not my line of business and referred me back to client relations. I finally get someone again in client relations and tell me the account is not up for closure just on hold and they could not tell me a timeframe on when the hold would be lifted when I could access my funds OR WHY? It is now 17 days into my initial deposit and I can not access my funds. I have children bills etc and BANK OF AMERICA will not tell me why my account is on hold I have not received any letters, emails or phone calls on why the hold was put in place. At this point im ready to seek legal counsel because this is ludacris!!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding late payments I discovered while reviewing my credit record. Despite sending letters over 30 days ago requesting validation of these entries, I have not received any response, and they have failed to provide me with satisfactory validation. This ongoing situation has negatively affected my credit standing and financial opportunities, which is why I kindly request your assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 
Bank of America XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card decision already 6 months keep unauthorized transactions on my statement active. I ask them to remove unauthorized transactions from my credit card statement but they stay active and at the same time I pay minimum payments. In the result of this I receive XXXX late payments on my credit report I need XXXX XXXX to unblock my credit cards and to remove late payments
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my credit that i would like removed. According to the FCRA these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. XXXX started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time XXXX XXXX of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through Experian only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it XXXX  states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXX XXXX The fair resolution is to delete this immediately
Product: Debt collection

NPAS continues to make collection calls to me for a non-existent debt with XXXX Hospital in XXXX Tn. 

I do not have any outstanding debt with XXXX Hospital. I have told them MANY times, I have filed complaints with the XXXX. 

NPAS continues.
Product: Debt collection

It's XXXX again, I reached out to Westlake Financial Services regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX XXXX which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. XXXX on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently XXXX has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask XXXX to do according to the on going investigation being conducted by the California State Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by XXXX, since the Corporate office is located in XXXX XXXX, California. Westlake Financial Services has denied asking XXXX to collect money for them as a XXXX XXXX. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California XXXX Attorney XXXX XXXX has XXXX ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and XXXX is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against XXXX since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired .Westlake Financial Services XXXX XXXX XXXX as Charged-off and account closed. XXXX and XXXX has already removed he XXXX from XXXX XXXX XXXX. According to Westlake Financial Services has never asked XXXX XXXX to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.