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

On XX/XX/XXXX, i received an email from Paypal that I could no longer use Paypal. I copied the email and pasted at bottom of this message. 

I probably use paypal 1-2x a month to buy a gift card on Paypals gift card website. Or maybe use it at an online retailer here and there. I receive small transfers from friends, family, and an occasional small rebate check here and there. There is nothing abnormal or suspicious about my account. And there is no reason at all for my account to be restricted. Paypal representative simply said there are no appeals and that he couldn't give me any information. Meanwhile, they are holding {$1000.00} for 180 days ( starting XX/XX/XXXX ). This is completely irrational and has to be a mistake on Paypals end. When i hear/read of things like this happening to people, I always assume there is a big missing piece of information that people are leaving out. That is not the case hear, and paypal is just simply shutting my account down, holding my money for 180 days for no reason and will not provide any reason. I understand digital apps are different than banksbut i honestly dont know how this legal/permitted Ref ID - XXXX You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 
Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 
Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. 
Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 
You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor Transunion Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has allowed Discover to report that my closed account ( of 6 years 7months ) was recently late. This has caused my payment history ( 35 % of XXXX ) to go from Good to Fair. 

This report is unlawful because this account hasnt been opened for 6 years and 7 months. 

This account is scheduled to be deleted from my report in XXXX ( approx 5 months ) why is discover now reporting the account as late when I filed for bankruptcy in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then Equifax reported did I had a 39 % usage on my premier credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.
Product: Student loan

My account is being reported 90 days late as of XX/XX/XXXX & XX/XX/XXXX, and 120 days late as of XX/XX/XXXX. This is inaccurate. I believed during those times that my account was in an XXXX XXXX  plan requiring a {$0.00} payment. There has been an ongoing problem for YEARS with Nelnet failing to process my XXXX applications, at all. In fact, I just went through dealing with this issue for the past year & half with Nelnet, filing complaint after complaint & making call after call to determine the status of my XXXX  to no avail, until finally, I spoke with Supervisor XXXX XXXX, who FINALLY found someone to process my application. My account was with another provider prior to being transferred to Nelnet. I NEVER asked for my account to become private & I would like for it to once again become a federal government-managed account. My account became delinquent in the midst of these various transfers, through no fault of my own. I need Nelnet to remove the late payment history. 

My note to Supervisor XXXX XXXX : One thing we're overlooking here is that my account was with Great Lakes prior to XXXX. Delving a bit further, I had initially established contact & an online profile with Nelnet for the first time in XXXX of XXXX ( see attached e-mail ). Lastly, the date & time of when exactly Nelnet assumed responsibility for my Great Lakes account is unbeknownst to me & in the confusion of that, I believe that my account became delinquent. 

I've attached two messages below from Great Lakes that show that my Forbearance had been approved as late as XXXX, but in the confusion of the account transfer, my account status with either company at the time of the migration was never properly communicated to me. 

It is my understanding that the account was in either an existing Forbearance with Great Lakes or an XXXX with Nelnet. Please give me the benefit of the doubt. 

SECOND MESSAGE TO XXXX XXXX, AFTER HE FAILED TO PROVIDE RECOURSE AND DIRECTED ME TO WRITE A LETTER TO NELNET : This is unacceptable. Your refusal to clear this late-payment history, although I've provided an account as to why & how that occurred, is preventing me from obtaining consolidation loans & from transferring my account to other service providers. 


You are making my account & experiences with Nelnet punitive in nature when that should not be the scope of our relationship, and that is not your purview to do so. Again, your stonewalling treatment of me is also unacceptable. I never asked to have my account transferred to Nelnet, nor was my permission, knowledge, or consent sought prior to the transfer. I demand better treatment & to not be treated with disdain, difficulty, and suspicion, nor to have my credit ruined because of Nelnet 's difficult nature. 


This type of customer service is precisely why I do not want to do business with Nelnet at the conclusion of my deferment. 


Is there anyone else that I can speak to or communicate with above you & up your chain of command that has the ability to render a correct & favorable verdict here in removing the late-payment history, or do I have to file a complaint with the CPFB?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.
Product: Debt collection

This is a debt that I believe I do not owe for breaking a lease due to loving in a very unsafe apartment complex where I was scared for myself and my child. This has passed the statue of limitations in the state of Hawaii for them to still be attempting to collect this debt. The creditor will not provide any info on the original debt. They are calling my family members and calling them names and threatening them. They call my job everyday several times a day and say vulgar things to the receptionists. This has affected my job to the point where I had our company director contact me regarding this. I believe this is an inaccurate debt, and the way this company is trying to collect is threatening and harassment. The company 's that I know have called are IQ Data International which always calls from blocked numbers. Then another number called me today from a lady named " XXXX XXXX '' at # XXXX XXXX XXXX XXXX XXXX threatening to serve papers to my place of work. Neither of these companies have my correct information or name. This debt is expired and should even be removed from my credit report!
Product: Credit card

I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert on my XXXX and equifax credit reports that are preventing the proper information to be processed on my credit. I have contacted both bureaus to address this issue with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are sending automatic messaging through a inhumane software to give inaccurate information about my credit report. For the last time, they must remove the inaccurate and fraudulent information from my credit report. Stop using ESO software to respond to me. Dont respond by mail with your mechanical written inaccurate information. 

You are in violation of State and Federal Laws!!! Remove the fraud now!
Product: Student loan

Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.
Product: Student loan

On August 6th- 2024 I requested the misconduct discharge application. Although my loans have been paid in full- I was Scammed by Fraudulent, For-Profit College and Servicer Misconduct XXXX XXXX XXXX XXXX XXXX I have been a part of the XXXXXXXX XXXX XXXX class group and finally received a discharge on my federal loans. On XX/XX/2024 I received an email from Navient stating : Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your loans are not eligible because they are no longer outstanding and have been paid in full. 



Thank you, XXXX XXXX XXXX XXXX XXXX I should receive refunds for the enormous amount of private student loans I paid off with interest rates in the XXXX % at the time of the loan. I should be able to fill out an application for relief. I paid thousands of dollars for a degree and credits that did not transfer and were not considered a real degree. I had to retake all of my courses at another university to receive my XXXX XXXX. I have suffered a great deal of financial harm, emotional and mental damage, and professional difficulty as a result of the misrepresentation of their completion/credit transfer agreeance. 

I have opened many complaints about Navient in the past through CFPB. I will attach a screenshot of them. 



Website Articles : https : //www.warren.senate.govXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a one year CD account with Citi Bank, that matured on XX/XX/XX/XX/XXXX After it matured, Citibank said that I have a seven day grace period to make any changes to the account. Otherwise it would automatically renew on XX/XX/XXXX, it stated that in order to close the account I could withdraw the funds. I did not wish to renew the account so I set up an external transfer on XX/XX/XXXX, due to the holidays the transfer would not have been finalized till XX/XX/XXXX which would be two days after the account would be renewed on XX/XX/XXXX. As a result, I called Citibank on XX/XX/XXXX to inform them that I would be making a transferred to an external bank. They offered me to close it on the phone and mail me a check. I stated that I already started the transfer, so I did not wish to have it mailed. I then asked if the transfer would occur after the account was renewed would there be any penalties as a result the agent assured me that there would not be any. I then again confirmed this with the agent a second time. The next day I see that the transfer did not go through. I called Citibank to close the account but they said that there would be a {$220.00} penalty. I tried to make several complaints to get this waived as I was misinformed by the representative, however, the penalty was not waived. I was also informed that the reason the transfer did not go through was because Citibank only allows you to transfer the funds out of a CD into a Citibank account or to mail a check. This was also not disclosed to me by the original agent, either as I did inform them, it would be in an external bank account. This is now two pieces of crucial, misinformation that I was given by that representative it is not fair for me to pay a penalty when I was assured I would not be and also misinformed that my external transfer would be an option to close my account.
Product: Debt collection

On Monday, XX/XX/2024 at XXXX, the company called and held the phone did not say anything and hung up. On Thursday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. On Monday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. That same day at XXXX, I called the company and ask why do they keep calling my phone not saying anything and hanging up. The representative ask what number was being called, I provided the number and he said he was trying to reach XXXX XXXX, I why not just ask for the person instead of calling and hanging up. I ask what is the name of the company and he said L.J. Ross Associates. I ask was the company a debt collector and the representative did not answer and changed the subject and ask me for personal information, I refused to answer, and ask him to cease and desist from calling the number.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX