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

I opened business PayPal account for my new LLC business. I do freelancing graphic designing and embroidery digitizing. 

I started using my new PayPal business account on XXXX by creating invoices for the work I do for one of my customers. I sent 2 invoices first, which were paid by my customer. Then I sent the 3rd invoice for the same customer and also was paid. The next day, I received email from PayPal saying that my account is being limited and they need to review the transaction. They asked me to explain what are these invoice and the transaction for, and asked to describe the service that I provide for my customers. I explained what type of service I provide. I also submitted copy of my ID which they asked about. I even sent them screenshot from my embroidery digitizing software that I use to perform the work. I sent screenshot with the exact designs I did for my client and the name of these designs were in the invoiced I sent to my customer. 

Then, the next day I received an email from PayPal that they permanently deactivated my account and I am no longer be able to use PayPal service to receive or send money. Not only that, they put a hold on the fund that is currently in my PayPal account for 180 days!!!!! 

What shocked me is a line that was in the email I received from PayPal saying : " Based on the information we have today, it looks like customers were dissatisfied with activity from this business. '' Seriously!!!, I only used the account to transact with only one customer, and she was satisfied with the work I done for her, so I don't know how PayPal came to the conclusion that customers were dissatisfied with activity from my business!!!!! Did they reach out to the customer and asked her?? 

This is unbelievable. If PayPal doesn't want me to use their service, that's fine, I cam always use some other service to conduct my business. But they don't have the right to hold my fund for 180 days for no reason. I guess this is a typical practice from PayPal to hold people 's money for any fabricated reasons, and then they can earn interest on our hard earned money while we are waiting 6 months to get our money back. 

Here is my PayPal account information : PayPal email : XXXX Business legal name : XXXX XXXX, XXXX Business is incorporated in California
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a XXXX  XXXX XXXX XXXX XXXX XX/XX/2020. The company 's File Number is listed as XXXX. 

The Registered Agent on file for this company is XXXX XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. 


This is the company the debt was sold to however they can not be reached whatsoever and XXXX and XXXX  continue to report the same information month after month and update the account. I dont know how they are able to get in contact but i can not.
Product: Debt collection

I am getting repeated calls from XXXX. The message left on my voice mail is a recorded message from " NPS ''. They have never identified who they are, who they are representing, and the nature of the call. If I owe a debt, I want something in WRITING that states who they are, who they are collecting for, and the nature of the debt. I do n't think that 's too much to ask. I will NOT give ANY personal information over the phone until I have all of this information in writing because I do n't know who they are. They can not expect me to give out personal information over the phone without proof of debt.
Product: Credit card

I placed an order online in XXXX XXXX and never received the order, I received a tracking number and drove 60 miles to XXXX XXXX XXXXXXXX XXXX XXXX but they indicated no receipt of the package and stated it was on hold in another city ( XXXXXXXX XXXX XXXX  I then contacted that office, and was advised that package was in XXXXXXXX XXXX XXXX then made contact back to customer service at XXXX XXXX and I was advised package must be lost they advised me to file a loss package claim directly with XXXX Which I did not because I have paperwork in writing indicating no receipt of the package in either location, I then reached back to XXXX XXXX XXXX advised they would get their investigation team involved and would know something within 24-48 hours I never heard back from XXXX XXXX I made another call back to them on Fri XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and each time I spoke to them their system indicated calls are recorded I asked them to pull up said recorded previous conversations at no time was that possible they advised they would reopen their lost package case and further investigate. then XXXX XXXX replied the order may be attached to a different email address in the same letter they stated we would talk soon. I then requested a refund and for them to withdraw the late notices they sent to credit bureaus. to no avail, it was reported on my credit negatively and I never received a package since this reporting has dropped my credit score by XXXX XXXX  the next time I spoke with them we reached an agreement to settle for {$15.00} which I sent to them in XXXX via check, they stated they issued a credit to my account I checked still no credit to my bank account or XXXX XXXX and still no package ever arrived.
Product: Vehicle loan or lease

I went to car dealer and signed a contract on the XX/XX/2018 and made the agreed payment dait of the first of every month because I am on social security told XXXX XXXX XXXX I was on XXXX so car dealer and them were aware of me being paid the first of the month the person that called me they said they dont care about my XXXX then told me pay by the XX/XX/XXXX or they take the truck but have a 3 day grace period and they said they dont care my XXXX has no barring on the contract by law I have a verble contract with the dealer so now I pay on the first only or I get you for XXXX discrimination and file on my bankruptcy, The dealer said we can sign the contract now get my insurance pay first payment on the first they said they set it that way so we can pay for the truck without any problems like XXXX XXXX XXXX putting all [ payments late have witness to the fact and verbal contracts hold up in the court of law.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Starting in XX/XX/2018, I have been calling our mortgage company, NewRez, to try to eliminate my PMI. We submitted the application 2-3 times and time after time they escalate our claim, but we get absolutely no response past that. We have been paying PMI for 23 years and fully meet the requirements to eliminate that expense. 

Im afraid they are waiting for the market to shift so I would not qualify to receive this benefit. 

I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hard Inquiry XXXX XXXX XXXX was added to my credit report in XX/XX/2020 without my knowledge. 

I called XXXX which is the Creditor assigned to this Inquiry, I also called XXXX  and XXXX and they all say I need a letter from AmeriSave removing me from their system since I didn't give anyone permission to check my credit for any matter.

AmeriSave says there is nothing they can do and the inquiry stays even though I did not approve it..
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit card or prepaid card

I will address this in a simplified format since I've complained about this same issue with the CFPB already. Chase Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt with their branches, Executive Department, Consumer Relations Department, and their collections department with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if NPI has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a unauthorized wire transfer was withdrawl out of my savings account without my authorization i sent all the documentation to Citibank to tell them i am a victim of fraud i did not authorize a wire transfer. I was a victim of sim card swap XXXX confirm this
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equafax to report inaccurate information on my personal information section of my credit report. 
.

There were 5 different variations of my name, only one was accurate. There are phone numbers and I don't own or recognize on my report. And and address of XXXX XXXX XXXX address on my personal information that is not my address. 

XXXX fax said I should file a report with the fpb since I believe it fraudulent. Send them the report number, and they will look into the information being invested.
Product: Credit reporting or other personal consumer reports

Accounts were removed from XXXX but remain on Equifax and/or XXXX. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on Equifax and XXXX. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX and XXXX on or around XX/XX/2024 but remains on Equifax. 
Account XXXX : Removed from XXXX but remains on Equifax and XXXX.
Product: Debt collection

I am attaching copies of the PRA accounts that show deleted from XXXX. I have accounts with PRA that they CAN NOT provide me any physical verification that these accounts are in mine & that I do in fact owe these debts! I have tried to send PRA a letter asking for a copy of our original signed contracts which theyve failed to provide! Whos to stop PRA for their illegal techniques they use??? I am beyond baffled that we havent come to a resolution yet when they CAN NOT provide me with what I am asking for! I am asking for the 5 line items I requested to be supplied to me, they havent provided my one thing that I have requested per FCRA LAWS! I am attached the papers I printed from my XXXX.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 consumer safety.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquires reported to my credit report.
Product: Vehicle loan or lease

I applied for a auto loan with wells fargo. During the process the XXXX XXXX XXXX XXXX said they would give me {$7000.00} for my trade-in. During the process, I stated I was on fixed income XXXX XXXX  XXXX and had to stay with 500 range for payments. The wells fargo agent got on the phone to approve the loan with my assumption the loan payments would be within $ XXXX amount I wrote on paper with sales person. That paper was taken away from me. The finance person talked about all these warranties with no mention of the payments. The finance person did show the monthly payments and I ask to have warranties remove. Warranties added over over {$200.00} per month to loan. I have contacted wells fargo several times to have warranties removed and principle adjusted their executive office has lead me on several times saying they would take care of and never did. Later the executive office would say I am responsible for having warranties removed and not wells fargo even after stating several times they would have warranties removed. Wells fargo has continue to punish me by putting the late payments on my credit report. When ask why can't they adjust the payments wells fargo would state it would take XXXX XXXX to agree to new contract. Asked why can't wells fargo move payment to the end which would help the refuse to do so the even tho they offer to move a payment if you meet their bias over the phone approval where they tell no. does not make a difference what you say your reasons are... I have submitted 4 complaints to wellsfaro on this issue... I have had 2 executive customer service agent say they will have warranties removed all just were buying time so I would not file a complaint CFPB. I am tired of playing the games with wells fargo. They figure if they keep playing this game maybe they can get more money by repossessing the car. Get more on top of the XXXX for trade-in and XXXX for warranties. This bank is corrupt. Does nothing to help customers but put continue to put them in bad credit standing.
Product: Mortgage

I received a statement from  Chemical Ban k reflecting a balance of {$75.00} consisting of a {$75.00} annual fee for the line of credit PLUS  a 0.18 in terest charge.  Chemical  Bank also charged the {$75.00} against my line of credit.     When I called to inquire about this practice, I was informed that it was permitted by my contract. In all previous years, when the Bank  (  including their predecessor   XXXX   XXXX    )  sent an invoice for the {$75.00} fee, it was paid promptly.     This appears to be little more than an attempt to extract a paltry  0.18 i n addition to their fee.
Product: Credit card

Hello, I am reaching out due to excessive interest charged on my account, specifically on amounts under dispute. I bought furniture from Ashley Homestore from XXXX, TX on XXXX. The furniture was finally delivered on XXXX but a few of the products were defective, specifically, the dresser, mirror and the bed headboard amounting to {$1500.00} including taxes. We immediately contacted both Ashley Homestore and later disputed with My Synchrony and we were assured that we wouldn't have to pay for that until the furniture were delivered. 

Fast forward to XXXX, 2023, we still hadn't received the right products even after acknowledging the issue and confirming swift action, but wasn't delivered until XXXX, 2023. However, My Synchrony started charging extravagant amounts of interest, around a XXXX dollars. I've contacted their customer service and they re-disputed the charges which made Ashley Homestore take action immediately this time by delivering the products in a couple of days. However, the charges related to products not delivered were still there and I was held liable for that and was denied any support from My Synchrony. This meant that I was accumulating interest for products that I never received.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting some Inquiries on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that many Inquiries are on my reports even when it shouldn't have been to begin with considering I never gave permission nor written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Debt collection

You are in violation of many federal laws because you are trying to collect on a debt that was previously discharged through my Chapter XXXX Bankruptcy filing that was done on XX/XX/XXXX, and the fully discharged on XX/XX/XXXX by the Federal Bankruptcy Court located in XXXX, Ca. Judge XXXX XXXX was the presiding Judge that Ordered the discharge and XXXX XXXX was the assigned Trustee for my Bankruptcy case. 

The debt that you are trying to collect on is for : XXXX Credit card with the account number ( partial )  of:XXXX Also, the fact that you have lied and placed an opening date for this credit card on my credit report for : XX/XX/XXXX is another violation of Federal Law.  Also, the fact that you have purchased a discharged Bankruptcy debt knowingly, and are now trying to collect on it after the fact is yet another major Federal Violation. If I have to have my Bankruptcy case reopened in Federal Court just so I can sue and make an example out of you for this extremely illegal debt collection practice, Believe me I will. 

You have also inserted this illegal debt collection into all of my credit reports with all three Credit bureaus without even trying to contact me or send me any notice to have this debt verified within the first 30 days is also yet another major violation of Federal Laws. This item needs to be immediately deleted from my credit report or I will file suit against you without any hesitation otherwise and bring against you whatever fines are legally allowed for your many law violations.