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

PayPal Holdings Inc.

I had been a customer of PayPal Inc for a couple years as a business account. I had several issues about PayPal 's account limitations and account freezing but I was able to solve those issues by identifying myself. 

I owned a shop called XXXX XXXX for XXXX albums overseas. On XX/XX/XXXX, I received a call from PayPal asking me too much information about my business such as : 1. How much sales do you get per year?

2. Who are your suppliers?

3. How long you been in business My suppliers don't need to be exposed because it can be used against them. They didn't like my answers and told me they will limit my account until I provide the following items 1. Proof of Fullfilment ( Which I gave ) 2. Supplier 's information ( That's none of their business ) 3. Business information ( I gave them what is public use ) PayPal Inc limited my account, took {$560.00} to place on reserve because they said this : " PayPal is holding a reserve of {$560.00} of your existing funds. This is to ensure your PayPal balance is large enough to cover any disputes or refunds you need to address. Your money will be released based on your account performance. '' It's XX/XX/XXXX and there has been no chargebacks, no refund reports, and thanks to them, I had to shut down my XXXX account because they prevented me from refunding the money they took as a reserve. 

I reported them to the XXXX and they told me I have a balance of {$500.00} that is due on a linked account I have no idea about. They refuse to release my funds until I send them a check. I shouldn't have to use my own money to pay them when they are reserving {$560.00} already on my actual PayPal account. PayPal is not a bank. They shouldn't have a right to hold funds. 

After several months in XXXX, XXXX announced a tour was cancelled and they said I will receive a refund in my original payment, which was the PayPal Debit Mastercard, but PayPal closed it. I want to withdraw the money I earned on my own before they take it from me. PayPal 's representatives are horrific. They reply the same messages on XXXX and XXXX. I can not express how terrible they are and how they are hurting small businesses and customers alike. 

I demand they release these funds and use it to pay the balance that a linked account is supposedly owed. Secondly, I want them to remove my account from limited status so I can withdraw my XXXX refund when it arrives to PayPal and permanently close my account. They held my account XXXX for too long and I just want my money back I waited since XX/XX/XXXX, which was the worst time called COVID-19 pandemic.
Product: Money transfer, virtual currency, or money service

{$1300.00} was removed from my Venmo account by an unknown, unauthorized entity. The date I noticed the money missing was XX/XX/XXXX. My XXXX used Venmo to send me XXXX XXXX each month which I then used to pay the mortgage on my home. The money disappeared from my Venmo account before I could utilize it to pay my mortgage. 

It is not possible to speak with someone at Venmo, a subsidiary of Pay Pal, because they use AI to answer common questions. There are no real people with whom to communicate. Because of this I sent a certified letter to Venmo at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have not responded. 

Prior to this, I submitted a police report on XX/XX/XXXX, a report to the Federal Trade Commission and a letter to the Massachusetts 's Attorney General 's Office ( which referred me to you. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was working with rocket mortgage to get a pre-approval letter explicitly stating that only a soft credit pull was authorized in order to obtain the letter. Despite clear instructions, Rocket Mortgage conducted a hard credit inquiry without my consent, resulting in a decrease in my credit score. 


I have documented evidence ( email and text conversations ) confirming my authorization for only a soft credit check and preapproval letter. Rocket Mortgage disregarded my instructions, damaging my credit score and impacting future mortgage applications.
Product: Debt collection

This company, Preferred CMS, alleges that I owe a debt. I have never done business with this company. In XX/XX/2019, my chapter XXXX bankruptcy was discharged. I am unsure if this relates to the discharged debts. I tried calling today, but the hold time was too long. I tried to block the number, but they use rotary dialing and call from different extensions every day.
Product: Mortgage

My mortgage was transferred to Mr. Cooper in XXXX. They did not pay my mortgage insurance that was due in XXXX. I got a call from the insurance company- they were the ones that advised me that my mortgage company didn't pay the bill. They said that it was so late in the process, I had to pay it out of pocket to ensure I still had coverage since a payment from the mortgage company wouldn't have arrived in time. 

When I talked to Mr. Cooper about it in XXXX, they said they would rectify it. I never heard from them again, and I never received any reimbursement. 

I called Mr. Cooper again on XX/XX/XXXX requesting for reimbursement, and they even called the insurance company with me on the line to confirm that Mr. Cooper is the one that messed up and owes me money. I already knew this as I was already told this, but they finally acknowledged their mistake. They told me I would be overnighted a check for the full amount. 

Today is XX/XX/XXXX. I haven't received the check and I had to call Mr. Cooper AGAIN to request to be reimbursed for the over $ XXXX that I had to pay- the $ XXXX that should've been paid by them through my escrow in the first place. They then told me that I wasn't actually getting a check, and that the insurance company is the one that got sent the overnight check. We made a three-way call to the insurance company, and they confirmed that they got the payment, and they'll have to send a refund check to me, but it won't even be sent out until XX/XX/XXXX. I checked my original payment to the insurance company and it was on XX/XX/XXXX. 

Oh, and while I was on XXXX call with them, the insurance company said they don't even have the mortgage information correct. It sounded like he was implying that Mr. Cooper messed up on that end as well. So we had to call a different department to get that squared away.
Product: Mortgage

Our mortgage loan problem started on XX/XX/XXXX, with a CARES Act Forbearance Plan granted by our Lender, New ReZ / Shellpoint Mortgage Servicing. The Forbearance Plan dates were XX/XX/XXXX thru XX/XX/XXXX. We are both seniors with a VA mortgage and returned to work after Covid-19 was somewhat under control. On XX/XX/XXXX, we paid our Forbearance Plan Balance of {$26000.00} in full. Shellpoint received our payoff on XX/XX/XXXX. We received a letter from Shellpoint stating our account was current and regular payment would be due XX/XX/XXXX. We were not credited for the Forbearance payoff on our Tax Form # 1098. Shellpoint was often notified by email and phone that the {$26000.00} was outstanding. We applied with several other mortgage companies to refinance and found that New Rez / Shellpoint had filed a 30-day late pay payment with the credit bureau XXXX With the refinance we got in XX/XX/XXXX, the {$26000.00} was included in the payoff. The unjust amount is still paid each month,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. Please send me copies If you can not find any of the info above immediately remove this account from my credit report. 

FACT 1 : There exist no PAPERWORK or DOCUMENTS that XXXX XXXX gave me FULL DISCLOSURE on how CREDIT was created with MY SIGNATURE! I believe NONE EXIST!! 
FACT 2 : I was also not told that I had 30 DAYS to VALIDATE THE DEBT! 
Fact 3 : I want to see the ACCOUNTING LEDGER should show what I owe you. You should be able to show how you lended me the money before giving me the money. 
After 30 days they ASSUME THE DEBT IS VALID! Because they know after 30 days they ASSUME THE DEBT IS VALID and they start collecting on it! Was this DISCLOSED TO YOU? No it was not thats another fact!!! 
DEBT COLLECTION is more than just COLLECTION ACCOUNTS and CHARGE OFFS! Its the account thats OPEN RIGHT NOW, its still a DEBT! Remember they are ASKING FOR MONEY to pay a DEBT, then it still applies! 
FACT 3 : I believe that there is no DOCUMENTATION from XXXX XXXX and I BELIEVE NON EXIST! 
You have 15 days to RESPOND to my original contract with my wet signature!
Product: Consumer Loan

I am reaching out after experiencing the most frustrating phone call with your Customer Service Representatives. 
In XXXX XXXX, my XXXX financed through Ally Financial was totaled. My personal insurance and GAP insurance covered the expenses leaving a $ 3,300+ balance for me to pay. I call Ally Auto to inquire about the payment terms/dates in late XXXX early XXXX. I was informed I would not have to resume payment until XXXX after my original contract date was up. I was excited as that would afford me the funds to purchase another car, keep my job, and stay current on my student loans. Yay me! I asked for the billing statement for my records. Received in the mail shortly after and moved on with life. 
Fast Forward : In late XXXX I pulled my credit report. I noticed that there were XXXX 30 day late payments on behalf of Ally. I was sure that those were erroneous as I entered into a payment arrangement. I called and after being transferred a few times I reached a very helpful gentleman that recognized the error and put in a request to be overturned. As we ended the call he informed me that my next payment was due XXXX XXXX, XXXX. In complete shock, I asked why and informed him of the situation outlined above. He followed up with another department and told me I would receive a call back and if not to call in XXXX weeks. 
Today, XXXX XXXX, XXXX : I never received a call and took it upon myself to reach out since then I received a new bill in the mail with the XXXX XXXX date. After being transferred a few times I reached XXXX badge no. XXXX. At first I was happy, she was going to help right? Wrong! I explained the issue that I was told in writing that my payment was n't due until XXXX. She explained that there was nothing that she could do except for transfer me to make a payment arrangement for the current due date. I explained that I have since rearranged my life and I do n't have an additional {$500.00} to pay based on information Ally provided. 
After trying to convince me that the payments on the account were still pending until XXXX, I went back to my file and pulled documentation stating that both policies were paid out in XXXX/XXXX XXXX. So why would a reassessment of my account take place in XXXX XXXX? She then told me that it was policy. Ally requested an extension to find out why GAP did not cover the remaining balance. Here is my issue. Ally never informed me. I never received a call, letter, or e-mail stating this, and that the billing date once issued could change as a result of this extension. Also, why would this take an upwards of 5 months to complete? After requesting to speak to a supervisor she told me no one would take my call, but I will receive a call within 2 days telling me that nothing could be done. My question to whomever is reading this is : Can something be done? I want to be responsible, but I would love to be met half way and that the error be acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
Product: Vehicle loan or lease

In the later part of XXXX I took my XXXX XXXX XXXX to XXXX to have get a routine oil change as I do every XXXX months. In XXXX of XXXX, I noticed the oil light was on and I immediately returned to XXXX as this was unusual. A kind gentleman named XXXX who works at XXXX checked my car out and provided me with the following information. He advised, " The vehicle is burning oil rapidly due to the engine failing. '' He informed me this is a known issue with XXXX XXXX  and could possibly be covered under warranty. In late XX/XX/XXXX XXXX I contacted the lender, Avid Acceptance and informed them that the engine is failing. I currently owe a balance of {$11000.00} on the vehicle I've had it since XXXX. I also contacted XXXX to determine if a warranty existed. I was informed by XXXX that the warranty is only valid if I am the original owner which I am not. Avid Acceptance advised I would continue to be responsible for the balance of the loan in addition to the engine repair/replacement. I have obtained estimates of repair/replacement which is in excess of {$9000.00}. This vehicle has been vandalized XXXX in attempted thefts to which I have an active claim awaiting the settlement of XXXXXXXX XXXX class action law suit. As a hardworking citizen I am seeking what my legal options are at this point. I believe the loan may be predatory lending. I don't have to explain that this puts me at an extreme financial hardship as I am not a rich woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up attempt to complain about me being a victim of Identity Theft. I want you to remove or block these items that are erroneously reported in my credit file : 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.