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

XX/XX/2024 PayPal closed my business account. They said I violated their user agreement but they wont tell me exactly what part of the agreement or how I violated it. I have repeatedly asked for an explanation and they have not given me one.

Today PayPal withdrew {$2100.00} from my business checking account with zero explanation. I have asked for an explanation and they have not given me one. 

I used PayPal to make legitimate sales of digital products in my online business. I offer a transparent refund policy and I respond to all customer service requests. I am a legitimate business and I have not violated any PayPal policies that I am aware of. If any policies have been violated that I am unaware of, I will gladly do whatever it takes to fix those violations. PayPal will not give me an answer. They closed my account, took my money, and theres nothing I can do about it. 

Please help me recover these funds from PayPal and get an explanation as to why this happened.
Product: Debt collection

USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.
Product: Debt collection

Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).
Product: Credit reporting or other personal consumer reports

XXXX - XXXX, XXXX XXXX XXXX
Product: Checking or savings account

XXXX and chase are the instructions involved. There was a purchase to XXXX for a specialized strength workout magazine. The item was to arrive in a booklet format and digital. Only the digital version was made available the physical copy never arrived. 

Reported to chase on XX/XX/XXXX Chase denied the claim XX/XX/XXXX Chase claim number XXXX
Product: Student loan

Contacted student loan servicer ( Navient ) o n  X/X/2017  to  request a copy of the loan promissory note. I spoke with  XXXX  at Navient and was told that Navient DID NOT have any promissory notes on file for m y 18 loans. I  am under the impression that this information has to be provided per FDCPA guidelines, how else would the creditor know how much to collect how often and under what terms? I need to have documentation that shows me that what " they say I owe '' is truly what I owe.
Product: Checking or savings account

On XX/XX/23 I checked my Chase bank account and noted 3 XXXX transactions on XX/XX/23 for {$2000.00}, {$400.00}, and {$100.00} paid to XXXX were authorized. Another transaction for {$35.00} was paid to XXXX XXXX XXXX was also authorized. No text, no email, no calls received from Chase Bank for those transactions. 

I went to the Chase branch in XXXX XXXX and explained to an agent of what happened to my account. The agent called the XXXX number on the back of my card and spoke to another agent who reported that a complaints will be filled on my behalf I need to get rid of my old card, and Chase would send me another card. 

On XX/XX/ I tried to check my account online to find out that my account was locked and that I need to call the XXXX provided to get it unlock. When I called the agent told me that my account was locked because of the {$1000.00} XXXX transaction I made the day before. I have explained to the agent that I did not authorized the transaction and a week before that I have explained to a chase agent that I will NEVER MAKE A XXXX TRANSACTION USING MY CHASE ACCOUNT. Again no text, no email and no calls received from Chase for that transaction. 
The agent reported that it could be that someone hacked my computer because the problem is not from Chase. 

I have contacted AVG antivirus to find out why an my laptop was hacked while I have an account with them to protect my laptop and phone. I have paid {$220.00} to performed a deep scan on my devices and they found no suspicious activity on my devices. I have made that payment using my Chase credit card because my checking account was still locked and Chase sent me a text right away before allowing the payment. Chase also send me a text and a en email to remind me to pay my credit my credit card. 

Chase had retuned the {$35.00} for XXXX transaction and the {$1000.00} transaction for XX/XX/ transaction with a letter that said the money returned to my account is temporary while they are investigating. Another letter received that Chase Had decided not to return the {$2500.00} for transaction made on XXXX  because they have proof that Ive authorized that payment. 

I am not some criminal making transactions and then trying to scam Chase out of money. That money is from my rent, food on the table, car payment, insurance payment and most of all my sons tuition. 

PLEASE, HELP ME GET MY MONEY BACK FROM CHASE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- I paid XXXX XXXX past due balance on XX/XX/2022 and XX/XX/2022. 

They keep leaving it as {$390.00} written off and not updating my payment history. 

I paid that written off balance. 

I have disputed 2x already
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX, CA, undefined
Product: Money transfer, virtual currency, or money service

Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

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

Back In XXXX Of 2021 I applied for a loan with Acima. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE :   XXXX  Account number  XXXX  EXPERIAN Credit Report  XXXX  Account not on file Dear CFPB : I had spoken with  XXXX   XXXX  from Experian in regard to my  XXXX  account that was purged from my credit report. I had contacted  XXXX  and spoke with  XXXX  and she sent me an e-mail regarding what happened. She sent me a letter and document that  XXXX  sent a re-insertion of account.     As of this date, Experian has not re-inserted my account and continues to report other accounts such as  XXXX   XXXX  #  XXXX . Experian has not been in compliance with the FCRA and has neglected and ignored  XXXX  request to re-insert my  XXXX  account.     I am asking the CFPB to go into my Experian credit report and dispute all negative obsolete credit information that is not in FCRA compliance.     Experian retains old negative information and deletes positive tradelines in order to suppress credit scores..     Further, Experian  XXXX  department has been viewing my credit report unfavorable and I request a revision to the current customer service I receive because of evidence of negligent and willfull non-compliance.
Product: Debt collection

On XX/XX/2020 I received a communication in the form of a letter from TRANSWORLD SYSTEMS INC. that was dated for XX/XX/2020. I was shocked and offended to receive this communication because I had just moved to my new residence which was in a new state and never gave this Debt Collector permission to contact me nor did I give them my addresss. The communication stated that my account was placed in collections with TRANSWORLD SYSTEMS INC by XXXX XXXX XXXX XXXX. The alleged debt was for {$1100.00} to be paid immediately upon me receipt of their communication with me and to paid by check or money order to TRANSWORLD SYSTEMS INC. Unfortunately For TRANSWORLD SYSTEMS INC. They are in violation of Federal Law Under the FDCPA. I compiled a list of violations and sent an affidavit via XXXX certified mail on XX/XX/2020 to TRANSWORLD SYSTEMS INC ' s Mailing address in XXXX, Louisiana and Headquarters in XXXX XXXX, Illinois. TRANSWORLD SYSTEMS INC received both affidavits on XX/XX/2020. The affidavit that went to XXXX, Louisiana was received at XXXX XXXX by someone named Sessions and the affidavit that went to XXXX XXXX, Illinois was received at XXXX XXXX by someone named XXXX. TRANSWORLD SYSTEMS INC was given 15 days to respond to the affidavit but has not done so. Today is Thursday XX/XX/2020 and I am now contacting the CFPB to get this matter resolved.
Product: Money transfer, virtual currency, or money service

I was in the middle of floating on a river my mother ( also my XXXX  XXXX ) calls Me in a panic and tells me that someone from XXXX XXXX called and also stoped into the XXXX  and let her know that in 45 mins our power is scheduled to be turned off due to missed payment. Now mind you all our bills are on auto pay. She tells them XXXX  gon na have to have her daughter call them she tells me the number they called off and also the number I can call to make a payment This is the number they called from XXXX This is the number they told us to call back XXXX And gave us a ticket number to gave XXXX The guy that came in was just a normal guy with a XXXX XXXX shirt on. 


I called them they had the XXXX XXXX automated system sound and voice on their phone like they recorded it before. I argued with the guy about my bill he said he had to look into my file ect. Said I owed XXXX for two months and I had fees from being late.. 

Said I had to bill pay it online I had to Zelle itI did that. They tried to get more money out of me. I realized it was a XXXX scam. Started arguing with them they came out of character. Wouldnt give me my money back My bank wont do anything about it because I zelled it but its so messed up they were convincing. XXXX
Product: Money transfers

i send money to my brother tru moneygram and have benn a week and he tell me the agency in XXXX dosent have a transaction wiht the nomber i give to him and moneygram tell me they cant give me my money back until he contat they and he already do it, these sound to me like a fruad
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account statement, despite repeated attempts to address the issue. As you are aware, I reported unauthorized activity on my account. Since then, we have made numerous efforts to investigate and remove these fraudulent items. However, despite our persistent attempts, the fraudulent entries persist, which is completely unacceptable. The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. 

I am asking for your help to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. I expect fair and adequate compensation for the prolonged inconvenience, distress, and any financial losses I have incurred as a result of this ordeal. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has verbally agreed to delete account once paid in pull. Company has not deleted account.
Product: Credit reporting or other personal consumer reports

About a year ago, I discovered that I am a victim of identity theft again. I found out that someone unknown to me somehow, they found my personal information and had used it by changing my address and phone number to get a few credit cards, including the one from XXXX XXXX. I immediately filed a report on XXXX and sent a copy to all the major credit bureaus and I also sent a copy to the original creditors. They took the items off and then back on again. I sent a letter to XXXX XXXX and requested again this item does not belong to me and close the account and remove it from my credit report. As of this day, I have not received anything back. That is what brought me here today. Please help me to resolve this stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to Transunion  and XXXX request for the positive information, causing Transunuin to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Product: Payday loan, title loan, or personal loan

Paid off loan on XXXX  XXXX XXXX year ago, XX/XX/2020, and have still not received the electronic payoff, and my title under Florida Law within 10-days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, my Equifax and connecting reports with XXXX and XXXX. My credit report went from excellent then dropping 11 points to very good. 

I am being mislead after the company breach that my information was part of. 

I have never been late with payments and have an excellent history with my score. 

Now they want me to get more credit cards, that they suggest and are surely benefiting from, to raise my score again. This is awful and these companies should be ashamed of themselves. 

Im in the process of renting an apartment and they are getting a lower score of Very Good instead of Excellent. I am not willing to get more credit for anyone elses benefit. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had problems making payments to Barclay 's for ~4 months. I've tried to make payments and they claim they are returned. So I incurred late fees and extra interest. Barclays even went so far as to mar my credit when they had no legal right to do if they refused to take my payment! I tried to pay them off at least twice... I have written them a paper check to pay them in full and still haven't heard anything about that CHECK? My bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, informs me they have not received any thing from Barclay 's. It appears they do not want to take my payment to settle my account. 
WHEN I get this straightened out. I will NEVER do any business with Barclays again!
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. SYNCB/PPC XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My refinance with JG Wentworth Lending was canceled on XX/XX/19. The cancellation letter signed by me and my wife was sent out to XXXX XXXX within the time window. Please see the attachment.The escrow company has confirmed it and returned me the whole refinance service fee. So the loan with JG lending should be closed. In other words, the loan was never completed. But I received the mortgage bill from JG days ago. It's so frustrating? So apparently, the cancellation order did not reach to JG Wentworth Lending from XXXX XXXX or the loan officer from JG Lending who worked with me made a mistake and did not cancel my loan. 
I called both escrow company XXXX and JG lending many, many times. So far, JG Lending is still saying my loan is open and keeps sending mortgage bill to me. It will damage my credit score if they don't correct this error in time.
Product: Checking or savings account

Someone used my funds out of my bank account and Bank of America is trying to make me liable for it.
Product: Debt collection

it seems between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is JEFFERSON CAPITAL SYSTEM. The original creditor was XXXX XXXX XXXX. 

I declared bankruptcy in XXXX and this was part of the creditors who were included in the bankruptcy. At the time, XXXX dropped my credit by a large amount with one creditor. Now, 15 years later, they have dropped me with the other creditor. What can I do about this? XXXX was my young daughter 's cell phone provider. She is now an adult with XXXX children. What can be done about this besides paying them off. I am in a XXXX  from XXXX now and money is a problem. 

Also, that bill with XXXX i over XXXX XXXX XXXX. XXXX dropped it. So who is this new creditor, JEFFERSON CAPITAL SYSTEM? And how can they legally drop my credit score by this large amount when the debt was resolved with the bankruptcy?
Product: Payday loan

Hello my name is XXXX XXXX and I wanted to file a complaint on national quick cash in XXXX Oklahoma. Because they sent my check over to my bank and it took the money out so then I waited today for it to go through and it did. So I call the loan company asked them if I bring in a bank statement and show them it went through so they said we 'll we ca n't take bank statements anymore. But last time it was n't a problem until now so now I have to wait a week to reborrow from them and they were just so rude about it over the phone. So I need some kind of exvice or something because this does n't seem right all other loan companys take bank statements but this one suspobly do n't do it now so this is making me so mad and stressed out.. Thank you
Product: Debt collection

I am requesting that the CFPB please inquire into the matter of Debt Collection Harassment committed by XXXX, XXXX, & And XXXX for their client ( s ) CitiBank And XXXX XXXX XXXX. I have asked them to provide me with proof XXXX validation ) of an alleged debt and in retaliation, they have gone ahead and filed a lawsuit when under the Fair Debt Collections Practices Act they are supposed to cease all collection efforts while they validate the debt. Furthermore, they have failed to update the credit bureaus to show Consumer Disputes. The list goes on with the unfair and harassing tactics they have used on me. 

This entire thing is really stressing me out and I dont know why I must spend so many countless hours trying to correct these companies ' mistakes. 

Im requesting an investigation/inquiry into this matter. 

I do not want any telephone calls from CitiBank or their debt collectors of ANY KIND and if I do I will consider it harassment.