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

PayPal closed my account for reasons that were untrue. They are holding my money until XXXX of next year. They are saying that my account was used for business transactions but I don't even own or operate a business. My transactions were for a friend and family payments only. Now they're holding my money and I did not even verify my Identity or ask to open a PayPal balance account. So I'm not sure exactly where they're holding it but it's not being held in my account. Now because I did not have a PayPal balance account they have no right to hold my money. They're saying that they were holding it to protect themselves from potential chargebacks, but given that they are all friend and family payments there is no risk of chargebacks. So given that there are no risk of chargebacks and given that I don't own a business, and given this was a consumer account, and given that I did not have a PayPal balance account, I want my money to be withdrawable immediately.
Product: Debt collection

I had a collection placed on two of my credit reports from XXXX XXXX XXXX for an amount that was paid. I submitted receipts and the collection was removed. XXXX XXXX XXXX has recently placed the same amount that was paid with a different collection agency and has placed it on all three of my credit reports. This is extremely frustrating, and I am requesting action be taken immediately to remove the collection from all of my credit reports.
Product: Mortgage

Beginning last XX/XX/XXXX, I began the process of looking into either a standard refinance or a partial cash out refinance with Navy Federal Credit Union. 

I used their portal, and after receiving the estimates of what payments and APR would be authorized and paid for a credit report.

That began a nightmare odyssey for me and my wife. They have now had our credit reports done 4 separate times by them, the MLS agent responsible for us dissappeared for weeks or months with no returned phone calls. 

I had authorized them to have access to my accounts for verification purposes, but after over a month of no contact I wrote them and revoked in writing that access. Yet every day I am notified of them accessing my accounts including my government pension account from when I was a prosecutor. 

About a month ago I received a call from them, ( new agent ) saying that they had messed up one our social security numbers and needed to run credit again. I asked for what, he told he it was for a product that we were not even applying for. 

They have damaged my credit, they have and are continuing to, in violation of state law, invading my privacy by accessing my accounts. Then today I received a note from them that we were being denied credit from them for not providing information, yet we WERE NOT applying for a product and had told them multiple times to shut it down. 

There was a brief moment, after 7 documented un returned phone calls, 3 electronic reach outs, where we were able to connect with XXXX XXXX, NMLS # XXXX. She was supposed to righting the ship. However it nearly 7 weeks later when another agent called to offer us another product. XXXX then failed to return multiple phone calls. 

So to receive this letter and to continually see my accounts being accessed, feels very wrong and I am asking for help. 

Navy Federal 's response to me has been they are inidated with a large amount of applicants. That's not an excuse. 

Please help. 

Thank you-
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I SENT A CERTIFIED LETTER XX/XX/2018 RECEIVED BY AGENT XXXX. I HAVE NOTIFIED THIS COMPANY THAT THEY ARE REPORTING INACCURATE INFROMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NEVER DONE OR EVER EVEN HEARD OF XXXX XXXX XXXX NOR HAVE I USED THEM. THEY ARE REPORTING ONLY ON MY EQUIFAX CREDIT REPORT AND I DONT KNOW WHY. I SENT A DETAILED LETTER ASKING THEM TO PROVIDE PROOF OF VALIDITY OF THE DEBT THEY ARE REPORTING ON MY CREDIT REPORT? I ASKED THEM FOR VALIDATION AND VERIFICATION INTO THE ACCOUNT? THE INCORRECT INFORMATION THEY ARE REPORTING IS NOT MY ACCOUNT. I ALSO ASKED THEM TO PROVIDE THE ORIGINAL COPY OF THE DOCUMENTS BEARING MY SIGNATURE? PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORIGINAL CREDITOR? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THIS DEBT ACCOUNT? 

AT THIS TIME, I WOULD ASLO LIKE TO INFORM YOU THAT IF XXXX XXXX XXXX OFFICES CONTINUE TO REPORT INVALIDATED INFORMATION TO ANY OF THE THREE CREDIT BUREAUS ( EQUIFAX, XXXX, OR XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOUR REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT *VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT *DEFAMATION OF CHARACTER IF PROPER DOCUMENTATION IS NOT PROVIDED AS REQUESTED AND VALIDATION ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATLEY.
Product: Payday loan, title loan, personal loan, or advance loan

Issues : taken too much in interest. additional amount not applied to the principal. I have made. XXXX payments above the required amount. I understand it depends on the date for the amount of interest to be taken. in my case most of my payment we made early. I'm now upside down on my loan that I put a big down payment down so I wouldn't get upside down. I was looking to sell this item to pay off the loan and that's when I discovered these issues. The last 5 payments they have taken all for interest. Because of that I have not made a payment and will not until they start applying to the principal. I have run the numbers through a loan calculator and I'm coming up with a much lower payoff amount. I'm not a bad guy I pay my doubts, but I will not be taken advantage of by big corporations.
Product: Checking or savings account

According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Rent Recovery Solutions, RE : Account # XXXX I asked you previously to validate my debt under the Fair Debt Collection Practices Act. This does not fulfill my information request and your requirement to provide the requested documentation. I am following up as requested by federal law and expect a complete response as soon as possible. 
This is my second and final request for such information. 
Within 15 business days of this letter, please provide me with : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in ( state you currently reside ) along with your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Best Regards,
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw that my car insurance company had charged me twice time my debit card. I called my debit card company and made a report. I can use my card just after take my paycheck deposited in my account.. a couple of days after, I saw a charge U {$12000.00} from XXXX, but without my authorization. Then, I called again my debit card company, and they decide, lock my account, and send me a new card. after around 2 weeks, a card was delivered in my home, but to now, I don't have my U {$12000.00} deposited in my account. Then, I called my debit card company again. After 1 hour waiting in the phone, the attendant said that she needs to transfer my call for dispute. I wait for 2 and a half hours, and it's turn off. No answer anytime. I try all week, 3 times for the day, and nothing, no answer. In one this call, the customer attendance told me that I have few money, and its the cause that nobody want to help me. Thru now, I don't have my money
Product: Debt collection

In XX/XX/XXXX, my information was used fraudulently to open credit card accounts with XXXX XXXX and Jared XXXX XXXX, several XXXX dollars worth of purchases were made on these credit cards. I received notice of payment due on these accounts through Comenity Bank, and contacted them to report these accounts as Fraud. I contacted the credit bureaus to dispute as well, the credit card accounts were now showing on my credit reports and affecting my credit score. After many months I received mailed from Comenity Bank informing me that they'd finished their fraud investigation, and the accounts were closed as fraudulent. The letter states that I am not responsible for the accounts, including remaining balances. Comenity requested credit reporting agencies remove the accounts, and they have been removed. 

On XX/XX/XXXX, I received a letter from Comenity Bank informing me that as of XX/XX/XXXX the accounts had been closed and charged off. Comenity has sold the account to XXXX XXXX XXXX XXXX XXXX. I received a letter from XXXX as well, informing me of the debt they were not attempting to collect and have been receiving phone calls from XXXX as well. 

I AM NOT REPOSINBLE FOR THIS DEBT
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed and I experienced Identity Thelf through my PayPal account. I was told XXXX had hacked my account of {$6000.00} and {$2000.00} had already been spent. 
I spoke with XXXX XXXX ( representative for Pay Pal ). He stated " his company would investigate this matter and he would get back to me '' .The problem is he never got in touch or followed up with me and it's now XX/XX/year>. 
I was told a loan was taken out in my name in XXXX and other states accessing my Social Security Number, address and phone number. I contacted my bank first and told my checking account was safe. 
This is poor company practices with PayPal. I was told a freeze would be placed on my PayPal account. 
I was trying to pay a local bill when this PayPal screen popped up and once I put my information in is when I was hacked/ Identity Thelf. This is a nightmare! 
On XX/XX/year> XXXX XXXX found suspicious activity in their computers and learned a cybercriminal was able to see and take copies of some data as well as medical record numbers, doctors, diagnosis, medicines, test results, images, care and treatment. Other personal data ( such as Social Security numbers, driver 's license or state ID Numbers may have been complimined.
Product: Checking or savings account

My name is XXXX XXXX XXXX, I am a XXXX year old XXXX citizen ( registered XXXX ). 
I have had two accounts with the Suntrust bank for many years which I used whilst travelling previously within the US, without any problems. I received my last true statement at the end of XX/XX/2019, both my accounts where at this stage fine, however at the beginning of XXXX I received my first account closure notice from Suntrust bank to say they were closing one of my accounts, which at the time was in credit with a balance of {$5900.00}. I have an assistant Mrs XXXX XXXX who helps with correspondence etc, ( due to my XXXX ) and she began the process of contacting Suntrust to determine what had happened to this account which was now showing a XXXX  balance.XXXX  tried phoning several numbers shown on the bank statement without success, she was never able to get an answer, eventually she did correspond with Suntrusts on line customer chat service, she was told after investigation that it appeared that this account had been passed to abandoned accounts, a department which freezes accounts for several reasons, one being inactivity for more than 3 years. It is true that my accounts have been inactive for several years due to that fact I have not traveled to the US since going XXXX. 
XXXX was given several numbers to call to speak to someone to resolve this issue but to no avail as she was put on hold and after a short period of waiting in the queue when no-one answers the line goes dead. 
This happened so many times, then in XX/XX/2019 I received another letter to say my second account with a balance of {$3700.00}, had also been closed, so the statement now shows I have XXXX balance on both accounts. XXXX by this time had written to Suntrust bank to explain the situation and had sent the letter by international tracked postage which was signed for on delivery, this letter requested that the bank contact either myself or XXXX to resolve the problem of the missing balances. This letter contained my e-mail address and phone number and XXXX XXXX email address and phone number. The bank has failed to respond to either of us. As you can appreciated this situation has been extremely distressing as we are in the XXXX. Following correspondence with the CFPB has been the only positive thing to happen as your response was immediate and following a call made by XXXX to the complaints department I feel we are getting somewhere at last. Suntrust 's lack of help I have found quite shocking.
Product: Credit reporting or other personal consumer reports

On XXXX I got a result of dispute, and the XXXX XXXX XXXX was deleted, and on the XXXX of XXXX a new account was created on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Acc XXXX XXXX XXXX XXXX, Creditor XXXX, Acc XXXX, Dept Of Ed/XXXX, Creditor XXXX XXXX XXXX. The following are not my address or ever lived there I think this is what attaching me to my father with the same name.
Product: Checking or savings account

On XX/XX/2021 I entered the HSBC app to close my account # XXXX. I got a reply back saying they closed my account ending in # XXXX and my other account I am co-owner with my retired father. # XXXX. I called HSBC immediately to confirm accoutn ending in # XXXX was not closed and still active.Spoke with someone and they confirmed # XXXX was active. On XX/XX/XXXX, I could not access my account balance for # XXXX. I could still access my account ending in # XXXX. I emailed support to confirm to not close my account ending in # XXXX. On XX/XX/XXXX, HSBC confirmed my account ending in # XXXX was not closed. 
On XX/XX/XXXX I checked my HSBC app and account # XXXX was closed. I immediately called HSBC to open a ticket to reverse this error and have not heard back fro them since. I told them my Dad has direct deposits set to credit on XX/XX/2021. My Dad does not have enough time to change or modify these payments I have not heard back from HSBC on account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint I have reached out to the bureaus and I have received no response of my dispute. According to the FCRA the rules have 60 days to respond due to the pandemic. I am beyond frustrated with this issue I sent my letter to the company I have no notice that they have even. Started an investigation I want results now!!! I sent that letter out on XX/XX/2020. There is no reason it should be taking this long please send me results immediately
Product: Debt collection

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX Balance : {$4900.00} This is a formal complaint against XXXX, XXXX, and TransUnion located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX  XXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, XXXX, XXXX, and TransUnion have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Prepaid card

I have had a PayPal account for years, as well as their PayPal Prepaid debit card, also for years, both in good standing. 

Yet, since last Thursday, I have not been able to load my card with money from my PayPal account, even though there is plenty of money in the account, and the card is in working order, by PayPal 's own admission. 

I have called them at least 10 times since last Thursday. Sometimes they tell me it 's a system issue they are trying to resolve ; other times they say it 's website maintenance, other times they simply tell me to keep trying, that they have noted my problem and will fix it. 

But NOTHING has been done. 

I need this issue FIXED ASAP, as that card is my ONLY way of making purchases in-person at the market, and the drugstore, etc. It 's my ONLY way of accessing my funds from my PayPal account. 

Every time I speak to a rep ( in XXXX ), they put me through a whole circus of hoops to jump through, only to tell me the same excuses I listed above. 

HELP! 

I do not work for a living anymore, as I 'm an XXXX patient and am nearly homebound. That card is my only way of making purchases, such as for medicine. 

HELP!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.5, XXXX : XXXX, XXXX XXXX, I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

They never corrected my name which is XXXX XXXX XXXX and my Birthday correct Birthday is XX/XX/1971 and my correct last 4 of my Social Security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five accounts on my report claiming late payments and I am unaware of where these late payments have come from. Per The Equal Opportunity Opportunity Act, states prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. ''
Product: Consumer Loan

Wells Fargo Dealer Services is refusing to honor my SCRA Request to lower my APR of 11.49 % to 6 % while on XXXX. I have faxed my request, along with orders, to them XXXX times, as well as emailed them, and sent them via USPS Certified Mail with Return Receipt. Wells Fargo still says that they have not received anything from me and refuses to honor my SCRA Request. This is the XXXX year in a row that they have denied my request.