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

PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. 
I started taking XXXX  for my XXXX  XXXX   on XX/XX/XXXX. I have been doing XXXX  for 4 years through PayPal, and have had 1 chargeback in my four years. 

On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX  sales money, as well as my payments from XXXX XXXX  work. 

All of this money comes from XXXX  for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX  and XXXX  the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. 

I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. 

They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. 

I have contacted the attorney general of each state I have business in, the XXXX  XXXX XXXX, and will be taking more public escalated actions if this is not resolved.
Product: Mortgage

To : XXXX XXXX XXXX My Tax Exemption I.D . XXXX. XXXX # XXXX Stearns Lending LLC. VA Mortgage Loan Payment Dispute XXXX XXXX XXXX XXXX , Tax Exemption Payment Violation ; extortion. 
XXXX Floor I am XXXX XXXX XXXXXXXX Veteran. A XXXX  XXXX XXXX, XXXX  XXXX Veteran ; according to my Mortgage Payment Location. 
I am a XXXX XXXX XXXX XXXX XXXX. 
In reference to my VA Mortgage Payment, Stearns Lending LLC. Refused to remove or deduct my Tax Exemption from Escrow Payment. Which becomes a Breach of Contract according to our Law and Constitution. Americans with Disabilities Act ( ADA ) as I clarify here-above about my Status. 
Stearns Lending LLC decided to transferred my Mortgage payment to XXXX XXXX Due to my Complaints I filed through ( CFPB ) against them and their consumer financial violation on my VA Mortgage Loan with them. This Mortgage Loan was Transferred to XXXX XXXX on XX/XX/XXXX. Made Seven payments already to our VA Mortgage, in the amount of : {$1800.00} each month through Stearns Lending LLC.

Vulnerability from Stearns Lending LLC XXXX XXXX. According to the response, and, information defending violations ; have had they done to me and my VA Mortgage Loan with my wife. It also deemed especially egregious the disregarding to my Tax Exemption through-out 7 months of payments been made. I am sincerely asking for a rectification to our VA Mortgage Loan immediately. Otherwise, it is a breach of contract violation. Including under Americans with Disabilities Act ( ADA ) Federal Law of XX/XX/XXXX. 
I consider Stearns Lending LLC action and activity to my Mortgage Payment a breach of Contract. According to Federal Law is concerned for Veterans Home loan Rule & Regulation. They might trying to Revised VA Home Loan Contract to Finagle us Veterans with our VA Home Loan Benefits Unscrupulous and Maladminister conduct by Stearns Lending LLc. I still want to see a Rectification. By Refund all my Tax Exemption money they charged me for my Escrow payment since XX/XX/XXXX through XX/XX/XXXX. If the shoe is on the other foot they will know XXXX well how it feels. Walk a mile on someone else shoe you all XXXX XXXX Stearns Lending LLC. Pardon me ( CFPB ). it does triggers my ( XXXX ) for what they're doing to me and my wife and children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion in regards to XXXX XXXX XXXX XXXX I have not heard back from TransUnion or XXXX XXXX XXXX this debt is not mine nor one of the company can verify this information with my signature on any document. This other letter has been delivered to both TransUnion XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I received a call from XXXX complaining about not receiving a payment. I have automatic bill pay with US. Bank. Upon checking my status with the online banking the account was listed as paid. This has caused my credit score to drop. After paying off one of my credit cards to raise my score. I was told by US bank employee to delete the account and start all over. Which I did. But the results were still the same. Money didn't make it to XXXX and they tell me that US. Bank is sending the money to the wrong place. This is the type of stuff that makes problems for folks.
Product: Credit reporting or other personal consumer reports

I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX XXXX  XXXX and XXXX XXXX. Please remove these accounts ASAP.
Product: Money transfer, virtual currency, or money service

XXXX : I wired {$10000.00} USD to my new BinanceUS account from my bank per BinanceUS instructions and using provided Ref Code. 

XXXX : My bank confirmed wire went through - I opened a BinanceUS Support ticket when the {$10000.00} did not post to my BinanceUS acct per BinanceUS stated service level. 

XXXX : BinanceUS Support replied via email requesting proof of wire transfer and BinanceUS Deposit Order Submission which defines the BinanceUS Ref Code. 

XXXX : I provided the requested documents via email reply. 

XXXX - XXXX multiple email exchanges with BinanceUS Support requesting that my {$10000.00} be returned to my bank. The money was never posted to my BinanceUS acct and has yet to be returned.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I received a call from a woman who represented herself as a Bank of America representative. She informed me that my business checking account showed unusual activity. She continued and said that my account showed that someone was trying to make a purchase at a XXXX in XXXX, Texas. This was odd since I am based in California. She wanted to know if that individual was me. I informed her that it was not me, and I did not authorize this transaction. The representative told me that she was required to send me a code, through text, to verify that I was the account owner. When I received the code, it came in the text stream with my previous Bank of America confirmed codes. Due to this, I believed that this was a legitimate Bank of America call. Then the representative asked me to read the code to verify my identity. Then she asked me to login to my mobile app, which I did. While I viewed my account information, I noticed that there were multiple wire transfer pending, and I told the representative that these transfers were not made by me. I also told the representative that I have never made a wire transfer in the XXXX years that I have had this account. She asked me to identify all of the transactions that were showing on my account, which I did. The total amount pending added up to approximately {$36000.00}. She told me that she would put a stop payment on all of those transactions. The next day, I checked my account and noticed that {$8000.00} was transferred from my account to XXXXXXXX XXXX in the name of XXXX XXXX. I immediately contacted the Bank of America Customer Service phone number. The representative said that with any unusual activity ( scam or fraud ) a claim must be filed. She provided a phone number, which I called immediately. I was told that Bank of America would investigate and that my account would be frozen. I continued to call the bank weekly to followup. I was continually told that an investigation was proceeding and that it could take up to XXXX months for a resolution. At the beginning of XX/XX/XXXX, I received a letter from Bank of America informing me that my case was denied and the letter did not supply a reason. I trusted Bank of America to keep my account safe and protect me from a fraud or scam situation. Especially since they are a member of FDIC. This was a sophisticated attack. I assumed that Bank of America would have a robust cyber department that would protect their customers from such activities.
Product: Credit card or prepaid card

I disputed a charge with Chime bank without asking any info they just denied it so I finally got my police report I dispute the dispute they denied it again. My identity was stolen. They refuse to help me I never filed a dispute in my life
Product: Checking or savings account

On XX/XX/2021 Bank of America without warning or explanation placed two freeze on my account by putting an {$880000.00} withdrawal hold on my account. This has put both my personal and my business account into the negative by over $ XXXX dollars. 

My business account is used daily and has checks that go out for payroll. When I called Bank of America, they were unable to give me any reason as to why the account was being reviewed. They also told me that I need to call back in the next 24-48 hours. I asked to speak with a department head or someone who might know which department at least initiated the hold or the review of my account. Again, nothing. No information, just call back tomorrow. In the meantime, my business and my personal health is suffering. 

The direct effect of this is my workers are not getting paid. My $ XXXX that was in my accounts I can not touch even though I've done absolutely nothing wrong. Please help.
Product: Mortgage

I have been in loss mitigation for over a year. Was awarded HAF payments when I was without a job for an extended period of time. 
I have been keeping close eye on my acct. Making substantial extra payments in my acct to bring the principal down. I will include screenshots from credit bureaus as I had it down to well below {$11000.00}. Last Friday I checked my acct and I showed some crazy high number as remaining balance. I had been paid head until XX/XX/XXXX. Last Friday it showed I was behind since XX/XX/XXXX. I will include screenshots of the acct last Friday and several screenshots with recent payoff amounts and credit reporting agencies. I am ready to pay off the house. I have the money in my acct. It should be less than {$10000.00} by now. Please help. I have been working tirelessly with several XXXX XXXX XXXX, my own XXXX XXXX and working full time to pay this house off for the children.
Product: Debt collection

OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX. 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 an 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX On XX/XX/XXXX i reached out to Experian because the date of last activity shows XX/XX/XXXX on Experian but on XXXX shows XX/XX/XXXX. The date of status in the report they sent to me shows XX/XX/XXXX with payment history starting on XX/XX/XXXX which is over 90 days for when it was opened. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on XXXX of {$4900.00} and Experian has a balance of {$5000.00}. The report sent by Experian does not show the required Disputed notes on the account and shows a balance of {$5000.00}. How is this collection account showing in a closed status with the balance increasing every month? In the account history you sent to me shows every month the BALANCE has been increasing. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX On XX/XX/XXXX I reached out to Experian because the High balance on this account is {$2500.00} with a balance owed of {$2300.00}. Experian responded XX/XX/XXXX stating the account was charged off for {$1700.00} but has a past due balance of {$2300.00} but no answer to how the high balance would be {$2500.00} or how an account can have a past due balance of {$2300.00} when it was charged off for {$1700.00}. The date of status in the report they sent to me on XX/XX/XXXX with the payment history shows 30 days late XX/XX/XXXX and 60 days Late on XX/XX/XXXX, C on XX/XX/XXXX and then CO XX/XX/XXXX. The information does not add up on this account. 

This account is questionable with a High balance of {$2500.00}, Charge off balance of {$1700.00} and a past due balance of {$2300.00}. This account is also missing the required Disputed Remarks which is a violation. Please delete this inaccurate unverifiable account.
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. Account name XXXX XXXX XXXX Account number 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate View full complaint
Product: Debt collection

Commerce Bank sold my account to XXXX XXXX XXXX in 2019. Then they reported my account as cancelled to the IRS. This was wrong as XXXX XXXX XXXX continued collection for this account. IRS is now wanting me to pay taxes for cancelled debt in 2019 for Commerce Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  I dispute d 2 common wealth accounts that was listed on my Experian report In which one account was rem oved but the other remained. I send the validation letter with a return receipt to make sure it was received. I have no knowledge or record of the common wealth account being reported on my report. I have disputed this unknown medical account with the reporting collection agent and havd no valid response. I requested for physical proof of verification to this alleged account that is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

The following addresses are old and unable to receive mail in these addresses. 

Address ID # XXXX Address ID # XXXX Address ID # XXXX Please remove.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

I have already had two of escrow analysis performed and both times my Homes Estimated value has been massively been under estimated so that my equity is very low. My homes estimated value is {$470000.00} to {$500000.00} but this Company estimates my home value at {$280000.00} ( in todays Market you know this is a scam ) and my loan Value is {$350000.00} ( what I purchased the home for ). I see that Carrington Mortgage is already under investigation from the CFPB. I would E-mail or chat with them but they only allow phone calls on my web page as I have looked multiple times and I bet the reason being that phone calls can not be documented as Texts and Chats can be. This under balling people on their Home Values on equity and equity loans has got to be a crime!?
Product: Credit reporting or other personal consumer reports

I spoke with Transunion on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.
Product: Credit reporting

TO, CFPB I have checked my credit report and found that all my credit is missing. I have utility bill s payed, I have car insurance payed for 4 years, I have apartment payed for for two years faithfully, and phone bills, cable, an inter net. I would Like to re submit all the bills and information.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your immediate intervention regarding a grievous matter involving Equifax, which has consistently failed to adhere to its obligations in maintaining the accuracy and integrity of consumer information. My repeated requests for a thorough investigation into my public information have been met with negligence, resulting in significant violations of my rights. 

Equifax 's inadequacy in conducting a proper investigation into my consumer report has not only undermined my privacy rights but has also led to the dissemination of information that is both inaccurate and misleading. Despite my clear requests for the removal of this erroneous information, Equifax continues to furnish and report data that does not pertain to me. This blatant disregard for accuracy and consumer rights is unacceptable. 

The financial repercussions of these inaccuracies are profound. Equifax 's actions have hindered my ability to secure essential financial services, thereby affecting my capacity to provide for my family during these already challenging times. The persistence of this situation is not merely an inconvenience ; it is a direct attack on my financial freedoms and well-being. 

Moreover, I am deeply concerned about the potential for my personal information to be exploited without my consent or knowledge. Equifax 's role in this matter appears increasingly precarious, as it perpetuates a system that discredits the very foundations of the banking system established long before my existence. 

I implore the CFPB to hold Equifax accountable for its gross mishandling of consumer information. The impact of their negligence is not simply bureaucratic ; it is a significant barrier to the quality of life that every citizen deserves. Action must be taken to rectify these inaccuracies and restore my rights as a consumer. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and the necessary actions that will be taken to address this situation. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

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 Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion is a scam. I had gotten approved for a {$500.00} dollar loan, to build my credit, I also had an investment account with them, they wont allow me to even pull my money from this account. Ive Been paying my loan and they emailed me saying I havent and I owe {$80.00} dollars and if I dont pay the XXXX they will charge me {$200.00}, I only have XXXX left on my loan..and Ive been paying XXXX dollars every other week. So I dont get how I owe them that much. I even have proof showing Ive been paying them. Many people have complained about them!!!