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

Hello- On XX/XX/2021 I received an email from Paypal saying that my account had been restricted. They did not provide a reason. I was informed that my account would be restricted and that, essentially, funds in my account will be held for 180 days. 

I tried to contact Paypal to get some answers, and to see if anything could be done and was unable to reach a party on multiple phone calls, or via email. I also tried the chat function through their online services menu, and never received a response. 

After I could not reach a Paypal rep, I had reached out to friends who had recently sent me money through Paypal to see if they could request their money back. I can see their requests, but Paypal is not allowing me to even issue their money back to them, so it is locked in the account with no way to remove or withdraw. I also can not even close the account. 

I would like to access/withdraw my balance in this account and close the account. 

Thank you in advance for your help! 
XXXX
Product: Debt collection

I have little to no information about this gas utility debt with XXXX and now with collection with CBE. I have several rental properties with XXXX and have always paid by bills. My current credit score is around 835, however, my mortgage score ( XXXX ) is several hundred points lower and I can not qualify for a new home loan. 

Perhaps XXXX kept sending mail to the rental property address after I sold the property. This could be fraud by a tenant. My identity has also been stolen in the past. 

I really have no idea how I could not have been properly notified for this debt. Also, please keep in mind this is only a {XXXX} collection and it has been paid. 

I didn't know my rights to validate this debt nor do I believe I was properly notified and XXXX has my phone number on file. 

It has been negatively affecting my life and my ability to purchase further rental properties. 

Lastly, I was under the impression that if the {XXXX} debt was collected, it would be removed from my credit report. 

I can also attach my credit report to show you my great credit score and ability to pay bills.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, My name is XXXX XXXX XXXX, and I am writing to report ongoing issues of identity theft and financial fraud that have significantly impacted my personal and financial life. Despite my efforts to address this matter over the past XXXX years, I continue to experience fraudulent activity and systemic failures that have left me in a state of financial instability. 

This nightmare began in 2022, when I became aware of discrepancies on my credit reports and breaches of my personal data, including the XXXX breach. Over time, I discovered that accounts were being fraudulently opened in my name, and I suspect that unauthorized financial transactions were made without my knowledge. 

Some of the major issues include : XXXX. Student Loans Taken Out Fraudulently : I recently discovered that student loans were taken out in my name, but I am unsure of their origin or legitimacy. I did not authorize these loans and have no knowledge of the details. 
XXXX. Homeownership and Mortgage Issues : I am uncertain whether I truly own my home due to fraudulent activity. I have discovered that home loans may have been sold or transferred without my knowledge, and I have not received proper documentation or communication regarding these transactions. 
XXXX. Continuous Financial Fraud : Unauthorized accounts have been opened with financial institutions, including banks and credit card companies, and my personal information has been exploited repeatedly. This has affected my ability to secure employment, access financial services, and regain control over my financial records. 

In addition to these issues, I have reported the fraud to various entities, including credit bureaus, local law enforcement, the FBI, and other agencies. I have also placed credit freezes and monitored my accounts regularly, yet no meaningful resolution has been achieved. 

The emotional, financial, and psychological toll this situation has taken on my children and me is immeasurable. We have endured countless hardships due to the failure of institutions and systems to address and resolve these issues. 

I am requesting your offices assistance in : XXXX. Investigating the fraudulent student loans and rectifying my credit reports. 
XXXX. Determining the status of my homeownership and ensuring all mortgage transactions are legitimate. 
XXXX. Advocating for stronger protections and accountability from the institutions involved in mishandling my personal information. 

Please let me know if you require additional documentation or details to support my case. I am willing to cooperate fully to resolve these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting

REFERENCE NUMBER XXXX I had a joint tax lien of XXXX, The IRS granted me full innocent spouse relief, the lien was later withdrawled per IRS and XXXX XXXX XXXX. Equifax took off the other lien but are still reporting this lien. I have sent them everything proving I do not have this lien faxed and online, all the paperwork, I have called them and XXXX XXXX XXXX said they are NOT reporting this. I do n't know what to do I do not have this lien.
Product: Credit card

I have the XXXX Rewards XXXX, which is serviced by Wells Fargo. I have had this account for well over a year and have been using the same XXXX XXXX checking account to make payments. XXXX XXXX has confirmed that the issue lies on Wells Fargo 's side. 

Despite my attempts to make payments around the XXXX of each month, as I have always done, the payments keep being returned and are never withdrawn from my account. No one at Wells Fargo can tell me how to rectify this situation so that I can pay my card. I am worried that I will incur late fees and negative marks on my credit report because Wells Fargo can not process my payments as they have in the past
Product: Debt collection

LVNV LLC has apparently filed a lawsuit or judgement for the recovery related to an account of which i have no knowledge of. I have had other collection agency 's claim i am responsible and i have repeatedly explained that it is not mine.
Product: Debt collection

I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve the issue.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX  ( account number : XXXX Below are the specific issues I have identified : XXXX. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, Experian, and XXXX ). * Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts with XXXX XXXX XXXX XXXX  pay history. I was wrongfully terminated which XXXX found to be in my favor. The XXXX  I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXXXXXX. I asked to not be reported and I was protecting my pay history. The agent said no problem. XXXX separate payments on XXXX separate accounts was to get me into the XXXX XXXX. with full access to all accounts. XXXX payment in XXXX XXXX XXXX All minimum payments to get me through until my XXXX  was approved. I am still waiting on XXXX XXXX XXXX. I receive my XXXX XXXXXXXX XXXX XXXX sometime beginning XX/XX/22. since. I made first XXXX agreed payments a XXXX XXXX early last payment was to be XXXX XXXX early. That's when I checked my XXXX report and my XXXX XXXX dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set XXXX up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next XXXX XXXX payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was XXXX XXXX before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been XXXX and left destitute after pleading for XXXX over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXXXXXX. That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXXXXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over XXXX XXXX of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Product: Credit card or prepaid card

PNC Bank  XX/X/2014    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Secured Debit Card {$300.00}   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Closed account Told, I would get a check in two ( 2 ) weeks in the mail. ( 2 wks. )   XXXX   XXXX   I was told the check would be mailed out in the next billing cycle, ( 3 wks. ) on "   XXXX   XXXX   ''   XXXX   XXXX   I was told the check was mailed Friday,   XXXX   XXXX   by  XXXX . ( 8 wks. )   XXXX   XXXX   Receive Check ( 9 wks. )
Product: Debt collection

XXXX XXXX XXXX wont mail me an itemized receipt of the debt ( {$690.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt XXXX XXXX XXXX wont mail me an itemized receipt of the debt ( {$670.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt. 
Portfolio recovery wont mail me an itemized receipt of the debt ( {$590.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt XXXX XXXX XXXX wont mail me an itemized receipt of the debt ( {$160.00} ) or tell me who the original creditor is. Tried to dispute it but XXXX XXXX says its correct ; never been contacted or mailed anything about this debt
Product: Credit reporting or other personal consumer reports

I have recently deputed this account but XXXX XXXX and XXXX are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and XXXX, Experian, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate
Product: Bank account or service

I have a savings account with Citizens Bank, where I only direct deposit funds and I use it to online transfer money to my family, who also have Citizens Bank accounts. I recently had to transfer {$25000.00} into my father 's account, and so I called Citizens Bank directly and asked them what would be the easiest way to complete this. I specifically asked about their transaction fee limits ( are their fees associated, is it a monthly limit, how much money do I need to keep in my account at all times ) and they told me that 1 ) there are no fees if you are transferring within the bank ; 2 ) there is a transaction limit of {$2000.00} but there are no monthly limits so I can transfer {$2000.00} as many times as I would like ; 3 ) I need to keep {$300.00} in my account at all times as a minimum. I was extremely pleased with the call - and just made XXXX transfers of {$2000.00}. The next day I was charged with XXXX Excessive Transaction Fees ( {$15.00} each ), and then XXXX Service Charge ( {$15.00} each ) - totaling XXXX fees of $ XXXX/each = {$90.00} in fees. I called back Citizens Bank and asked them why this happened, when I clearly called and asked for advice on the correct way to transfer these funds. They confirmed that their agent miscommunicated the rules of my account to me, and due to Reg D restrictions, there was a cap to how many transfers I could make in a month. I told him that if I had known this - I happily would have just found another way to transfer these funds. The agent apologized, but said the only thing he could do was give me {$30.00} of the {$90.00}. I was upset and asked to speak to his manager. The manager confirmed that EVEN THOUGH I called Citizens Bank and asked to be reeducated on the transfer limits and fees of my bank account, and EVEN THOUGH they miscommunicated those requirements to me, that I was the one who was at fault, because I am required to know the rules of my account at all times. He told me that I should have read all this in my account agreement when I started - which is fine, I can agree with that - but then I asked him if I was to call in and ask to be reiterated these requirements ( which I did ), should I not expect that they will communicate these regulations to me appropriately. He said that although they were there to help - they were NOT required or liable for miscommunication. 

I happen to work for XXXX XXXX - and I know that they are NOT allowed to withhold financial requirements of my account, especially when I call in and ask to be educated on these requirements. I am EXTREMELY upset, and believe they are being abusive and deceptive to their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$9600.00} XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing this complaint against NATIONAL RECOVERY AGENCY for you to provide essential account-level documentation regarding an account they are attempting to collect from me. I am requesting this documentation to verify the accuracy and legitimacy of the account, I believe this lack of transparency violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting from NATIONAL RECOVERY AGENCY the following details to confirm the accuracy of the debt they claim I owe : Date the account was opened with the original creditor Date the account was closed with the original creditor Date the account was sold to the current debt collector Date of first delinquency on the account Date and amount of the last payment made Current balance on the account, including a breakdown of fees, interest, or additional charges applied Date the account was charged off by the original creditor Statements and account level documentation.

Communication Records with the Creditor : Lastly, I am asking for any records of communication between myself and the original creditor, including any previous disputes or resolutions.

These records are necessary to ensure all reported information is accurate and compliant with consumer protection laws. Failure to Provide Documentation as Required by FDCPA and FCRA :
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, I initiated a bank transfer to load {$700.00} into my Venmo wallet. When completed I was informed it would not be available until Friday, the XXXX XXXX XXXX XXXXXXXX. I immediately tried to cancel, as I could write a check and it would clear faster. There is no option to do so, so I called customer service. I was told that although the transaction showed pending, it had already started the process. Today, Wednesday, XX/XX/XXXX, I am able to see that {$700.00} has in fact left my checking account on XX/XX/XXXX. I called Venmo customer service again asking when my money would post to my wallet. I was again told Friday, XX/XX/XXXX. They have my money in available funds, but are holding it another 3 days, because " that's how long it takes to post ''. I was under the impression that it is illegal to place available funds on hold. When I stated that, I was told they didn't have the funds. So I again stated the money was withdrawn from my account yesterday, XX/XX/XXXX and asked where it went. I was told an ACH takes XXXX business days. If the money is gone from my account, it has to be in their account. So, now I'm apparently stupid and don't know what he's talking about. My Venmo account balance is XXXX, therefore, they don't have the funds. After stating my case numerous times, the only answer they have is it takes XXXX business days. Its obvious they keep available funds to earn interest unless you agree to pay a fee to have it released when they get it.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report from XXXX, XXXX and Equifax and noticed some fraudulent inquiries that I DID NOT originate and have no idea where they came from. Pursuant to 15 USC 1681c-2 please DELETE these fraudulent inquiries within four business days of your receipt of this identity theft report on grounds of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please see other page for other ( 3 ) inquiries. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} Status Open.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports