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

Hi CFPB member, This is XXXX XXXX, we got a XXXX Paypal Payment from XXXX XXXX, the boss of XXXX XXXX XXXX XXXX company on XXXX XX/XX/XXXX. 
We delivered the packages on XXXX XX/XX/XXXX, the XXXX tracking number is XXXX, XXXX. 
Due to the shipping problem, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX open a case on Paypal, we keep contacting with shipper and buyer. A month later, they got the packages finally on XXXX XX/XX/XXXX. But Paypal refund XXXX payment to that company XXXX XX/XX/XXXX. 
We usually use XXXX to contact XXXX, when he made the payment we noticed that the address provided on Paypal did not match the address of the invoice we had made, so we asked XXXX about it and he clearly stated that he was going to send it to the address of the invoice, and we also confirmed with him his PayPal account, so that one could not be a false message. Even though we provided favorable evidence, PayPal still refunded him. 
We contact Paypal Many times, we can't believe that Paypal would impose a penalty like this and the way they handled it was really poor, they hung up on us before we finished speaking, that's very disrespectful for us. 
We hope CFPB can help us to defend our rights. 
Thanks.
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 3 credit bureaus are required to authenticate these accounts under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX : {$16000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX - ( Loan by Phone  ) Check into XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXX. Green Dot. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions. 
15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$9600.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX, XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX, we got into a position where we were unable pay for our check by mail loans and were getting behind. As a result, we contacted each company and did a debt consolidation loan through XXXX federal credit union. The only way XXXX was willing to complete the loan was by having me talk to each creditor and having them personally fax the payoff amount from each creditor. The payoff of each creditor was sent directly to the creditor from the bank ... not us receiving the money. Beginning about a month later, we started getting the check by mail loans through the same creditors because of our credit worthiness. Does not being able to make payments qualify someone as credit worthy? We ran into a situation where we needed the money. Again, we ended up not being able to make the payments and got way behind. We attempted very small payments but lenders were not satisfied with that. The majority of our lenders were willing to arrange for half payments on our accounts. There have been XXXX companies that have continued to harass us, even with making 50 % of original payments. XXXX company is Regional Finance of XXXX, TN. In XX/XX/XXXX, XXXX XXXX XXXX said that we needed to each make XXXX full payment on account and then would be able to work out a reduced payment. We sold off our belongings to get the money. After claiming that he tried to reduce payments for us he stated that he would not be able to because they are a publicly traded company and that accepting partial payments would be breaking contract. I went ahead and sent partial payments for the both of us. We got a phone call from them complaining and I frankly told them that other creditors have worked with us on partial payments. They ended up taking those partial payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Now they are saying that we either have to form XXXX loan and have them add all of the document fees back in and increasing payment or they are going to send to collection and pursue sueing us, even with making partial payments. That would be forcing us to file bankruptcy, which does n't help this situation-for the company or us and we have been making partial payments. The other company is XXXX XXXX XXXX XXXX XXXX, TN and is nearly the exact same situation.
Product: Credit reporting or other personal consumer reports

I have asked credit acceptance, XXXX XXXX and XXXX multiple times to remove my nonpublic personal auto account from the third parties ( XXXX, XXXX and XXXX ) because they didnt give me the option to opt out of their opt out disclosures and they refused. 

I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. 

The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. 


Credit acceptance, XXXX XXXX  and XXXX has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, credit acceptance corporation, XXXX and XXXX knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. 

My account should be removed immediately!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account was recently temporarily Frozen. I was asked to pay a balance of {$230.00} which I did and my account was immediately restored ( XX/XX/XXXX ). Shortly after my account being restored, I was sent {$1300.00} ( XX/XX/XXXX ) from a friend. Immediately again my account was frozen. I was not able to cash out or send the money to another institution. I reached out to customer service ( XX/XX/XXXX ) and was told recent activity set off an alarm in their system and I was asked to send in a copy of my ID. On XX/XX/XXXX I was sent an email saying that I was in violation of the user agreement and that my account was being permanently frozen with {$500.00} of my funds still in my account being help for 180 days. After repeatedly reaching out to customer service and asking for an explanation I was told without any explanation to stop reaching out because my emails will no longer be answered. I couldn't figure out what agreement I broke in that short time frame considering they just reactivated my account the previous day after I paid {$230.00} to have it restored. I think they're 28-page user agreement is extremely misleading. You could buy a pack of cigarettes with your venmo debit card and you are in violation of user agreement. You could pay for your prescription at the pharmacy and be in violation of the user agreement. I don't care if I can no longer use their platform but I think by them telling me I can no longer use it and then holding on to my money for 6 months that's a little ridiculous. I would like my money back.
Product: Debt collection

I have disputed this with Experian and have received an email back stating that Dispute XXXX has been completed and updated. I advised Experian in XX/XX/XXXX that per a phone call with XXXX with XXXX XXXX XXXX ( the Original Creditor ) whose direct phone number is XXXX that XXXX XXXX XXXX will no longer be trying to collect this doctors bill as they were aware that I had XXXX and that this will be removed. I noticed that XXXX is still on my credit report and has not removed this debt. Experian said that this dispute has been resolved, however in this dispute XXXX did not remove themselves instead they updated the file. This is not what was to be done. Also, XXXX has Violated the FTC rules regarding being deceptive as they show this debt as being occurred in XXXX and not in XXXX as per the bill. I have had to retain counsel to investigate XXXX for their deceptive practices and blatant disregard for the law as it pertains to debtors. XXXX has been notified to my attorneys office and has still refused to recall this debt.
Product: Consumer Loan

I purchased my vehicle from XXXX XXXX in XXXX and financed my purchase through Nissan Acceptance Corp on XX/XX/XXXX. At that time, I resided in Texas and my vehicle was titled and registered in that state. I moved from XXXX to XXXX in XX/XX/XXXX and my registration was good through XX/XX/XXXX. Knowing my registration was due to expire, I took a day off work on XX/XX/XXXX and drove XXXX miles to the XXXX XXXX XXXX Department to get my title and registration transfered. I worked with XXXX MVD employee, XXXX, and she advised Nissan needed to release my title in order for my registration to be renewed. XXXX attempted to call Nissan around XXXX. After several minutes on hold, me and my boyfriend called from our personal cell phones trying to get through to the same number. Nissan kept us all on hold saying, " We are sorry for the delay, but due to our new website you will be experiencing longer waits. '' XXXX was forced to hang up after quite some time in order to help other customers. Instead she faxed the request to Nissan. However, my boyfriend and I stayed on hold from our cell phones for over XXXX hours waiting for Nissan, but no-one ever answered. Since then I 've tried diligently to get a hold of Nissan and even reached out to the dealer where I purchased the car. On XX/XX/XXXX, I contacted XXXX XXXX in XXXX and explained my situation. They said one of the finance officers would call me, but I never heard back from them. I finally got a hold of someone at XXXX XXXX and they gave me a phone number for Nissan that is disconnected. I continued to call Nissan on several other occasions, XX/XX/XXXX & XX/XX/XXXX and encountered the same message about the long wait period due to there new website. On XX/XX/XXXX, I called the XXXX Department of Transportation and was told they were not holding up the process, the title release request was pending with Nissan and I just had to wait. On XX/XX/XXXX, I enlisted help from the local Nissan dealership here in XXXX, XXXX. I spoke with their title representative, XXXX, who offered to help me. XX/XX/XXXX i sent XXXX more info. She sent me a message that she was still trying to get a hold of Nissan. Another week later, she sent me a message that was finally able to get in contact with Nissan and they said they never received the request to release my title. XXXX contacted the XXXX XXXX, who confirmed they submitted the original request to Nissan and requested they submit the request AGAIN. I still have not heard from anyone about said matter and it is XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Asked for inaccuracies to be removed as I dont recognize the company. The did not remove
Product: Debt collection

XXXX IS NOT ADA ACCESSIBLE. Federal Trade Commission Website CONSUMER INFORMATION. see attatched FTC ID Theft case XXXX XXXX   provided NO ACCESS. FTC You may view FTC Website on line. Question 1 ) Have you been billed for merchandise you never recieved? I ANSWERED YES. FTC explains Mail Internet Merchandise Rule & Fair Credit Billing Act YOU DON'T HAVE TO PAY FOR MERCHANDISE YOU ORDERED BUT NEVER RECIEVED. see attatched CRIMINAL INVESTIGATION. Letter dated XX/XX/XXXX USPS deliveries not made US POSTAL INSPECTION. see attatched EQUIFAX CREDIT REPORT. EQUIFAX has a duty to Consumers to VERIFY WITH WRITTEN DOCUMENTATION SIGNATURE & ACCEPTACE OF DELIVERY THESE ITEMS WERE DELIVERED INTO MY HANDS. ( XXXX REFUSES DOCUMENTATION OF ACTIVATION DATES OF THESE NEW CARDS ISSUED. endings XXXX XXXX XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX ALL REPORTED TIMELY BY PHONE MY ONLY OPTION WITH NO XXXX ACCESS. ) see attatched XX/XX/XXXX XXXX LETTER ALLEDGING THOUSANDS OF DOLLARS WERE DENIED NOT REPORTED TIMELY. Provide verified documentation these goods were delivered into my hands. ** XXXX illegally collected on this ID Theft and DESTROYED MY CREDIT. See attatched XX/XX/XXXX of collection XXXX   DENIED MY CLAIM ( see attatched XX/XX/XXXX Letter XXXX AND EXPECTS PAYMENT. EQUIFAX HAS DUTY TO VERIFY WHAT THIS BANK DID NOT OR REMOVE. PER FAIR CREDIT ACT PROTECT FOR CONSUMERS.
Product: Vehicle loan or lease

In XXXX of 2022, I purchased a car from US Auto Sales which was financed through US Auto Financing. During the process, I also purchased a service contract and rolled it into my loan. Now, months later, US Auto has " temporarily '' closed and " sold '' my " loan '' to a Westlake XXXX Portfolio. Well, in all of this transition I've found that I do NOT have a car loan -- the car is leased ( not once was the word lease mentioned to me upon purchasing ). I've also found that the vehicle is NOT a standard XXXX, it's a XXXX  vehicle -- which makes my insurance higher. But the absolute WORST part is that now that this company sold my information, the service contract purchased will NOT be honored. And the company pretty much provides us with an " oh well '' and that's that. I filed a complaint with XXXX in which the company simply replied with the fact that they sold the accounts. Hilariously, I received a letter from Westlake confirming that US Auto is indeed STILL my lienholder. With a bit more investigation, I found that US Auto NEVER EVEN PURCHASED THE CONTRACT FROM THE COMPANY WHO PROVIDES THE SERVICE CONTRACTS!!! They LIED and knew it, and STILL had me paying the full amount of my loan. Til this day, I'm paying for a service contract I will NEVER receive. I don't want to have ANYTHING to do with either of these companies anymore! Shame on Westlake for not protecting their customers regardless of length of time being with them, shame on them for NOT investigating the issues they are 100 % aware of. US Auto is fraudulent and Westlake isn't too far behind. My contract clearly shows the amount paid for the service contract ( which is also listed as DEALERSHIP OWNED ), yet I'm being cheated. My contract was very clearly and blatantly broken, I need some kind of resolution! I've been working with a lawyer gathering documents and providing transaction/call dates, I will NOT let this go!
Product: Debt collection

The Golden 1 Credit Union Acct # XXXX account was settled in full on XX/XX/2020. They have yet to update my credit file and are in VIOLATION. This is impacting me from getting the credit I deserve and I demand that the account now be removed from my credit file. They have failed to communicate with me in a timely manner!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ), ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via Experian. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting XXXX. When will you do something about this?
Product: Credit card

I had a credit card balance that was due on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX and was charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCE : {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination