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

Today XX/XX/2020 is a new day ; and PayPal still refuses to give me my {$510.00}. PayPal has no Customer Service Representatives by telephone on duty. PayPal chat Representatives respond about once every 24 hours.

PayPal refuses to give me my money unless I buy a Cell Telephone and Cell Phone Plan. Now it appears PayPal is XXXX  me to give them my Social Security Card. They refuse to give me my money either way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on XXXX ending in XXXX XXXX. 
And for Transunion and XXXX account XXXX. I was notified that this information was verified as accurate and correct. 

As of XX/XX/XXXX, AND XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for transunion or XXXX.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ). 

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account XXXX : 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

Hello, I tried to cancel my PNC Bank checking account online and it wouldn't let me. I talked to a representative on the phone to ask them to close, and they refused to and said I had to come in to a branch to close it. This is unfair- they are trying to start charging me more and I just want to close my account without the hassle of trying to get to a physical bank. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was victim of ID Theft in XXXX, I filed my taxes and was informed that my identity was breached. I informed Equifax, and provided the proper documentation. No response as of yet. I am requesting that they delete the following accounts as request. 

-XXXX  account # XXXX opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX account XXXX opened : XX/XX/year> -XXXX  account # XXXX opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on an account thats been closed since XX/XX/2020. The late payment is showing from XX/XX/2020. I attempted to pay it online repeatedly but kept getting kicked off for some reason that month. I tried calling but obviously i wasn't the only one having this issue becuase i was on hold for hours and not able to get thru. I attempted to make my payment by using my phone and a computer and it locked me out. I had to go and tried each day for the next week. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I finally did get it paid and i closed my account the following month. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint in response to a notification on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report are incorrect. 
DEPT OF EDXXXX 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: Money transfer, virtual currency, or money service

Cash app wont semd me my statements or alllw me to access the account i used amd had a debit card with. Asked for statements and they wont approve my request and have made it impossible to regain access to this account despite showing my id and providing old account details including name email and phone.
Product: Mortgage

Amerisave Mortgage should be investigated for being incapable of servicing mortgages. EVERY SINGLE month, I have to call them to fix some screw-up or other. Their employees provide false and misleading information, make promises that are not kept, CLAIM to be making desired account changes, but fail to do so. Cancel automatic payment plans for no reason whatsoever ( not at the customer 's request ), at least three-quarters of the people that take your call on the phone ( when you can actually GET someone on the phone ) have some sort of shortcoming with respect to knowledge and/or performance of their job. I have NEVER encountered a more incompetent institution in ANY industry. Massive reform is needed. Management should be flushed, employees given far more training than they have received to date. I was promised that a biweekly payment plan would pay down capital every two weeks, but after MANY conversations, I discover that Amerisave merely withdraws funds every two weeks, sticks the money in a non-interest bearing account, waits for the second half of the full month 's payment to arrive, THEN pays the mortgage and for this privilege, the customer must pay a startup fee of {$150.00} and pay the mortgage a month in advance. This is a scheme for robbing the customer of the interest in their source funds account and capturing that money for Amerisave to use interest free for two weeks until the other half of the payment has arrived. It's a form of theft, but it's presented as a plan that pays down the capital at an accelerated rate. Deception, misrepresentation, and incompetance in one institution.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against U.S. Bank National Association regarding the unjustified hold placed on my checking accounts, linked to VISA debit cards ending in XXXX and XXXX, under account numbers XXXX and XXXX, respectively. 

On XX/XX/2023, at XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to make an online purchase using my XXXX  debit card ending in XXXX, only to find that the transaction was declined multiple times. Subsequently, I attempted to use my alternative debit card ending in XXXX, only to encounter the same issue. Alarmed by this situation, I promptly contacted U.S. Bank 's Cardmember service team for clarification. The banker informed me that the hold was initiated on XX/XX/2023, without providing any substantive explanation or documenting any actions on my part that may have warranted such action. 

As these funds are crucial for my day-to-day living expenses, the lack of transparency and immediate access to my accounts is a matter of utmost concern. I am left without a logical explanation for the hold, and the urgency of this situation requires an immediate resolution to avoid disruption to my daily life.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$450.00} was sent to a XX/XX/XXXX, and I never authorized payment. I called Zelle immedietely, but they have yet resolved it. Everytime i call the associate never puts it on file.
Product: Bank account or service

PayPal limited my account without warning or reason stating " your account has been limited '' with no oppurtunity for appeal. I have called them nearly a dozen times to get this resolved and no one will give me any information other than " you have violated the terms and conditions '' or " PayPal will no longer to do business with you. '' Since limiting my account, they have held my funds for more than 180 days, despite them saying that 's when I would receive my funds.
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PORTFOLIO RECOV ASSOC was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. 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. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Vehicle loan or lease

I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly. 

XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX, CA, XXXX
Product: Vehicle loan or lease

My son and I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl on XX/XX/XXXX. As part of the new purchase, they agreed to pay the last XXXX payments and the end of lease charges for the car we were trading in. I called BMW Financial services in XX/XX/XXXX because I had forgotten to stop my automatic bill pay for the old car and had sent them a payment of {$560.00} on XX/XX/XXXX. To our surprise, BMW said not only were they not going to give me the payment back but that I owed another {$630.00} for " end of lease '' charges. Needless to say, I was irate. After being told its was XXXX 's fault, then XXXX saying it was BMWs fault, we talked to numerous people at XXXX XXXX to resolve ( XXXX, XXXX and XXXX ). They have stonewalled us for three months now ( they realize they didn't send enough to BMW ) kept saying they are reviewing, not returning calls, etc. My son even went to the physical address to no avail. All the while, BMW is sending us threatening letters to sue us or refer to agencies. Finally, with no end in sight for the stonewalling, we got a final letter from BMW threatening lawsuit and had to pay the {$630.00} on XX/XX/XXXX. THEN, we get a letter that BMW referred us to Collection Agency on XX/XX/XXXX. THIS IS CRAZY..they are ruining my credit! Please help!!! They owe us {$1100.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name
Product: Debt collection

1. Respondents failed to rebut, answer, respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XX/XX/XXXX,  USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

2. Respondents failed to rebut, answer, respond to Default Judgment and Declaratory Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, and USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a  sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

3. Respondents failed to rebut, answer, respond to Summary Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

4. Respondents failed to rebut, answer, respond to Final Judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, I have never been presented with any sworn affidavits that would provide validity Respondents assessment, verifiable proof of claim. It is my best and considered judgment that no such paperwork or affidavit exists. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to validate, verify, or provide proof of the claim, alleged debt. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents do not have any legal right to attempt to collect this debt, thus they need to remove the listing from credit report ( s ), and record, for the public record. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, I will notify the credit bureaus of this fact, if Respondents still reports the debt. 

I, XXXX : XXXX XXXX XXXX, hereby affirm that, Respondents failed to respond in this matter and are in violation of federal law and they do not have any right to try to collect the debt. 

XXXX : XXXX XXXX XXXX is an XXXX woman, above the age of XXXX. 

XXXX : XXXX XXXX XXXX is the rightful Entitlement Holder of [  XXXX XXXX XXXX ] ESTATE. 

XXXX : XXXX XXXX XXXX is the holder in due course of [ XXXX XXXX XXXX ] ESTATE. 

XXXX : XXXX XXXX XXXX is the Authorized Representative, executor, and sole beneficiary of said certificate of title [ XXXX XXXX XXXX ] ESTATE via an International Irrevocable Trust Agreement. 

XXXX XXXX XXXX is the Grantor & Owner of Record/Holder of Legal Title.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to address and prevent fraud on their platform furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer ( EFTA ) and regulation these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Debt collection

I have tried numerous times disputing the issue on XXXX, XXXX XXXX and XXXX which shows up as a collection debt I owe on my credit report. However the results always come back as the information they are reporting is correct which is not true. The collection agency is claiming I owe a balance of {$6300.00} from XXXX XXXX XXXX XXXX which this balance was included in my Bankruptcy. I will attach/ provide supporting documents of my bankruptcy with XXXX listed as one of the creditors and my attorney has been notified. When I contacted Financial Credit Network at XXXX the employee stated the balance was not included in my bankruptcy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Own.Lease made a hard inquiry, on XXXX XXXX XXXX XXXX made a hard inquiry, on XX/XX/XXXX XXXX XXXX made a hard inquiry. I was unaware and did not authorize these inquiries and a identity theft report was filed, included in report.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized accounts and inquiries on my transunion, XXXX, and XXXX credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called First Advantage 's toll-free number : XXXX and requested a copy of my First Advantage consumer file disclosure. This was after a rental application informed me on the same day that my application was approved with conditions. I thought this was unusual because I thought I met all approval criteria. 

After I called First Advantage and provided them with my personal information, they informed me that I would receive my report within 2 business days. I ended up receiving my report on XX/XX/XXXX, which was 7 business days after my call. When I opened the report, it contained information about a person unrelated to me. I responded to the email with the report on XX/XX/XXXX and I said, " The attached report includes information that does not belong to me. It seems to be for a completely different person. '' First Advantage responded on XX/XX/XXXX with an email that said, Hi, Apologies for the delay. 

Password : ********* Thanks and regards Consumer Reports First Advantage | Our promise. Your success. 
Follow Us : XXXX | XXXX | XXXX Instead of stars, the password for the pdf report was included in the email, which I already knew from my first call with First Advantage. 

This email response did not at all related to my prior email.
Product: Debt collection

I have received numerous calls from aggressive people calling about a debt since I don't believe I owe this debt I asked for documentation and all information to be sent in writing. After I firmly told them this they stopped calling but it is on my credit report. 

As I left the apartment due to an infestation that the apartment agreed to waive the termination fee and to let me out of my lease for which I have documentation of I do not believe I owe this debt. 

This company refuses to supply the necessary written proof of any owed debt.