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

My son sent me money through PayPal using the family and friends method and PayPal has it on hold for no reason. Its in my account now but I am unable to do anything with it, I cant withdraw it, I cant send it, I cant spend it or refund it. After giving me the run around for 8 hrs yesterday I finally spoke to someone that was able to bypass all the security and I was able to withdrawal only half of it. When I tried the other half I get a error, so I contacted PayPal again and they tell me its on hold for 24hrs because of security risk, how is there another security risk when I just spoke to someone and they bypassed everything after I verified and confirmed my identity already. I decided to give up for the day then this morning I attempted to withdrawal it again and it didnt work. So I contacted PayPal and followed all the instructions they gave me, tried to withdrawal it using a different card and stuff because they told me it will work, well it didnt work. All morning Ive been messaging a rep at PayPal and he keeps giving the run around and lying to me, now suddenly instead of a 24hr hold its now a 72hr hold. I followed every direction he told me to follow and now its a 72hr hold. He caused it to become 72hrs not me. I would have had only a few hrs left if it wasnt for him. They keep bring up security system and risk when Ive done nothing at all myself to trigger such a thing. I need my money so I can buy my daughter milk and diapers, I got XXXX kids I cant wait 72hrs to access my funds. It was money that was sent to me by my own son, all I did was try to withdraw it from PayPal to use, how did I trigger any security flags. Ive spoken to at least 10 different reps at PayPal and they keep on lying to me and giving me the run around, what kind of business is PayPal running, they are scamming people at a time like this when were in a pandemic, theres suppose to be relief and support going around but they are causing nothing but stress and hardship, they are taking time away from me and my family. I know they can bypass whatever security system and let me withdrawal my money because one person was able to already. I just want them to give me my {$100.00} and I wont do anymore type of businesses with them anymore, they are the worst, what they are doing cant be legal.
Product: Checking or savings account

I asked my bank if the bank can stop the transaction or recover my money from the persons or companys account that I made but found out later that is it a fraud. But they can not help me dispute the transaction.
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, Transunion, and XXXX is reporting inaccurate info. My Name is XXXX XXXX. DOB : XX/XX/ My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer is XXXX XXXX
Product: Credit card or prepaid card

I was contacted by an American Express ( AMEX ) telemarketer in XX/XX/XXXX/XX/XX/2018 with a promotional offer for a credit card for my business 's. I was offered a large amount of reward points and a low interest option. 
I was offered to open up multiple accounts accompanied with more incentive options. I was encouraged to add employee cards to my AMEX account For this promotion there was no credit check. No spending limit. I was simply told that I had to pay off the balance I spent every month. 
The card was supposed to give me working capital that my business needed to survive. 
AMEX sold me on what was supposed to be a great opportunity. 
Everything was going as planned and then out of nowhere my account was put on hold. None of my credit cards would work. I called AMEX and they wouldn't give me a reason why. They just said in order to keep the account open I had to provide all my tax return records. I asked why and they said that is what was needed. I opened the account because I was not interested in getting my credit and records pulled. They baited and switched me. 
I never missed a payment. I paid the entire balance off every month as agreed. I did everything as agreed. 
So my Accounts and credit cards were cancelled. I lost all my rewards points. 
I was never given my original promised promotional offer of rewards points. 
I was left with a large balance at 20.24 %. 
AMEX conned me into signing up for their program. American Express deceived me. Then cancelled my accounts. Charged thousands of dollars in interest. I was put in a position where if I paid off the large balance, I would not have money to survive. Normally, I would pay off the balance and then I could use the AMEX card to spend with. 
I tried multiple times get the fixed but AMEX would not be doing anything until they got my tax records.
Product: Debt collection

Midland Credit Management Inc, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Midland Credit Management obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This debit is furnished on multiple of my credit reports as a negative item and it has affected me as such. I reached out to the company requesting a record or invoice or any information they could send me to validate this debt. They refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -EQUIFAX XXXX -- XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX
Product: Debt collection

Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX   XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 a client reserved XXXX XXXX at my campsite in the woods, paying through PayPal $ 200+ {$50.00} refundable deposit if she left the site as explained. The client acknowledged reading the website explicitly stating NO REFUNDS if the woods experience is not what she expected. Included in the disclaimer is " expect insects ... come prepared with bug spray. '' The client set up camp on my woods property on XX/XX/XXXX, but after a few hours texted me that she was leaving because her boyfriend found ticks on himself. I suggested they go to the screened level 14 feet into the trees and use insect spray. They left anyway. 
She demanded a full refund. 
I gave her {$140.00}, {$100.00} for the night not used + {$43.00} refund, although the agreement was no refunds. 
The client continued the conversation recorded in complaint # XXXX demanding the {$100.00} for the time she occupied my property. 
On XX/XX/XXXX I concluded the discussion involving PayPal and the client saying I had reiterated my case 3 times and had nothing more to say. 
I left on vacation in a remote area without computer XX/XX/XXXX. Upon my return, I find that PayPal has refunded the client {$250.00} of my funds without my consent on the basis that the client had said something more to which I did not respond. 
Evidently PayPal has a policy to reward whoever responds last and automatically defers to the one who makes the last statement. Of course I had responded., No camper goes into the woods without insect protection in Florida 's summer. The client does not deserve a refund at all, yet I gave her more than half of what she paid. 
Now the client has $ XXXX {$250.00} = {$390.00} of my money, at best an over refund of {$140.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made a wire transfer for US {$2500.00} through Bank of America from my BOA checking account. I was also charged with a fee of {$45.00} to make the transfer.The money was intended to be sent to my nephew in XXXX for family support. He never received the money, once I was notified within couple of weeks that the recipient did not receive the money '' I immediately went to the local branch where I made the transaction and informed them of the situation. The bank made a recall and did not get the money back to my account. It's been more than a year and three months : bank has not still resolve the situation and provide me with any answer. They have been very negligent and seem they don't care. At one point, one of the manager told me that I may never receive the money back which I could not believe that any bank officer would say something like that. I went to the bank dozens of times over and over again, called their wire transfer department, called the intermediary bank and nobody knows where did the money go. I definitely need some serious help to get my money back and any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 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 generallf, 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: Payday loan, title loan, personal loan, or advance loan

I have had a loan with greenline loans since 2023. I have had two loans which were paid off successfully. I currently have a loan which was taken out XX/XX/XXXX for {$400.00} the payments were originally {$120.00}. I had called to make arrangements because of my hardship. I made a total of 5 payments towards this loan totaling to {$200.00}. I am on a fixed income barely making and I have other expenses to cover such as utilities other bills and rent cover. And I am struggling to make ends meet. I did move the payment to XX/XX/XXXX for {$30.00} on that day I have other bills scheduled to draft. I am on a fixed income barely making it and I am struggling to make ends meet. I would like to considered what I have paid towards this loan and close the account and consider it paid in full.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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

Approximately Mid XX/XX/2016 I attempted to purchase a vehicle. The dealer ran a Equifax credit report and the dealer reported back the credit score was unavailable because I was reported deceased. I attempted to contact Equifax by direct phone call and was unsuccessful. I utilized their required on line request for a report based on a contested report and received a report that my file could not be opened. I then requested one by mail and included the required fee in an attempt to repair the error and included a copy of my drivers license and social security card as requested on the form in early XXXX. I shortly again received another form letter again stating the report is unavailable. The document they returned again only included the same automated help lines that I started with giving me no additional resources to try and attempt to repair this major error in their files. I also attempted to get credit for XXXX for my XXXX and XXXX husband and was again refused due to this grievous error in their reporting system. I in the mean time went to a social security office and they still list me in a living state so I am completely unaware where Equifax started this error. I personally have XXXX and the inability to purchase a car for transportation and XXXX for my XXXX and XXXX husband are making it difficult to maintain our jobs without extreme difficulty.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX  regarding inaccuracies in the reporting of a charged-off account ( [ Account Number : XXXX ] ) on my credit file. The account is reported with a charge-off amount of {$730.00} and multiple late payment entries ( 30, 60, and 90 days past due ), which are inaccurate and unverifiable. 

Details of the Dispute : Charge-Off : The account is marked as charged off with a balance of {$730.00}. 
I requested detailed validation of this charge-off, including a breakdown of the original balance, fees, and payments applied. No supporting documentation has been provided. 

Late Payments : The account includes late payment notations ( 30, 60, and 90 days past due ), which are inconsistent with my payment records. I requested validation of these entries, including billing statements and payment history, but received no response. 

Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure the accuracy of the information they report to credit bureaus.

Under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed items.
Product: Credit reporting or other personal consumer reports

I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for transunion, XXXX, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have a chase checking account from which {$2000.00} was taken out fraudulently through XXXX, which Id never used until yesterday because its not secure. I received a text from an 800 number claiming to be chase asking if I authorized this transaction during my XXXX treatment. As I was replying no, I received a call from what was supposedly the chase branch in XXXX, NC. The man on the phone said that I had to use XXXX in order for XXXX XXXX to stop the {$2000.00} requested from being taken from my account. I said this was suspicious and asked for identification as I didnt think he worked for chase. He gave me a supposed chase identification number, so I did as instructed. Now, I lost $ XXXX. I called the branch number back, and the manager told me theyd never use this procedure ; & no one with that false identification worked there. I then called Chase fraud department and spent 7 hours after XXXX treatment getting the runaround, and told my money was gone. Then, I called the office of the CEO. Supposedly they are working on it, but they blame me and said theyre not responsible for XXXX . This is the second time in two weeks that my chase products have been compromised. Last week it was my credit & debit cards. The bank wont let me change my checking account to protect my identity without fees.
Product: Vehicle loan or lease

We switched car insurance companies years ago. Wells Fargo asked us to provide proof of insurance. 
We provided the prof of insurance for the new company. 
We received a confirmation email that reads : you will be contacted only in the event that we are unable to verify the information you have provided to us. 
We received no other contact from Wells Fargo in regards to insurance but we have just discovered that Wells Fargo as charged us for insurance since XX/XX/2013 and hid it under the principal payment line on their e-statement. 
When we made a complaint to them, they asked us to provide proof of insurance again. 
We no longer have any proof from 2013 although we have the email confirmation that they received our proof of insurance in XX/XX/2013. ( we provided this to them ) Wells Fargo has taken no other action to research their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The customer service would not help and take care of negative inquiries reporting to my credit report.
Product: Credit card or prepaid card

bank of america steals. i overpaid balance on boa credit card XXXX XXXX XXXX XXXX i need refund from thief bank of america. if i dont hear i will sue boa to get overpayment back. i need overpaymennt now. customer service sucks. this bank sucks.
Product: Mortgage

I submitted a application to  Round Point mortgage  requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to  the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as possible.
Product: Student loan

I had a accident on XX/XX/XXXX and injured my XXXX and XXXX. I was being treated by a couple of doctors and hospitals. I returned to school after having XXXX XXXX with XXXX XXXX XXXX, and they sent me home, but I couldn't work for 9 years. I was supported by Public assistance. I submitted all my doctors papers to XXXX XXXX and Navient to get my payment discharged, but they only put me on forbearance and deferment plans. In XX/XX/XXXX I started to work part-time and they took my income tax check. I called the student loan ombudsman, and he made them return my income tax money, but never fixed the problem. Since this incident, i was a single mother on low income, but Navient and XXXX XXXX kept increasing the interest. On XX/XX/XXXX, I received an e-mail from a company saying that they we're the U.S. Dept. Of Education, XXXX. XXXX XXXX, XXXX, TX XXXX, stating that I have 15 days to send all papers stating your dispute. I sent all of my doctors papers to them, then received papers from a company called XXXX XXXX XXXX. with an extra {$6100.00} added on that I never heard of. They also claimed that the papers arrived late, which wasn't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off reported on my XXXX and Experian credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.
Product: Debt collection

Non stop calling and trying to harass my employer. Using obscene language and not answering questions about debt owed. Very unprofessional. Being a XXXX they are trying to garnish wages. Wont answer my questions about debt owed or provide statements of debt owed. Took me to court without any notice to me
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian / XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Experian / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Experian / XXXX