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

To Whom It May Concern, I, XXXX XXXX, am writing to file a formal complaint against PayPal regarding the blocking of my account associated with the email address XXXX. I was not provided with any reaso

n for this action. Upon reviewing PayPal 's terms of service, I am confident that I have adhered to all their guidelines. My PayPal account is essential for managing my daily financial transactions, both personal and professional. The blocking of my account has caused considerable financial distress, affecting my ability to conduct essential transactions and meet my financial obligations. Being cut off from my funds has significantly impacted my financial well-being.
I have reached out to PayPal, requesting a comprehensive investigation and the reinstatement of my account. Unfortunately, my attempts have yet to yield a resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance, hoping for an intervention that will prompt PayPal to conduct a transparent review and unlock my account.

The importance of fairness and transparency from financial service providers like PayPal can not be overstated, especially when their actions deeply affect users ' lives. Clear communication and valid reasons must accompany such significant actions as account suspensions.

I appreciate your attention to this urgent matter and look forward to a favorable resolution that will restore my access to PayPal and ensure fair handling of such issues in the future. 

Sincerely, XXXX XXXX
Product: Student loan

Mohela did not certify all of my employment correctly. There is a gap in my qualified payments, 15 months to be exact, due to not backdating the employment dates per laws with the PSLF program. Due to this error, I am only receiving 60 qualifying payments, when I should have at least 74. I have attached a copy of the application that was provided to Mohela in XXXX. My identifying information has been removed for security purposes, but it was present when provided to Mohela.
Product: Debt collection

A woman named XXXX XXXX ( I believe thats what she said her last name was ) calls my number every day privately.. she says shes with MCM ... midland credit management
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUST Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account XXXX XXXX Inquiries XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX1These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit card

In XX/XX/year> I signed up for a medical credit card ( Care Credit, through Synchrony Bank ) with a promotional benefit of the first year interest-free. I have been making regular payments but not seeing the debt go down nearly as much as I have been paying. After looking more closely at my monthly statements, on XX/XX/year>, I noticed a fee called " PYMT CARD SECURITY '' that I did not recognize or remember agreeing to. I called the 800 number next to it and asked what the fee was. The representative told me it was a kind of debt insurance. I asked to opt out of the program and she unenrolled me going forward. However, I feel that the fees I have paid so far were hidden and undermined the spirit of the " interest-free '' promotional period, when I should be making more headway on the principal. 

The fees assessed : {$51.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$50.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$49.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$48.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$48.00} paid XX/XX/year> ( statement dated XX/XX/year> ) {$47.00} paid XX/XX/year> ( statement dated XX/XX/year> ) Total : {$290.00} Then, on XX/XX/XXXX, Synchrony sent me a letter stating that, " [ b ] ased on a recent review of your account, Synchrony has lowered your credit line to {$2800.00}. '' It said that the decision was based " in part '' on a formula and enumerated reasons my credit line was lowered. However, I believe the lowered credit line to be retaliation for opting out of the above debt-insurance scheme because all of the listed reasons were also true at the time the original credit line of {$3200.00} was granted, and because the timing is telling : this is the first billing statement after I opted out of the debt insurance program. I called the bank and the representative refused to discuss why my credit line was lowered, saying only that she could give me XXXX 's customer service number, which is irrelevant to my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Transunion, I have sent certified tracking the mail yet I cant get a mailed response from this credit agency after sending several complaints I have tried using their website and get error messages of all sorts to say its down for maintenance I waited for a response for 60 days now and no word from them but yet the fraudulent information is updating continuously, I feel these kinds of issues from this company is to discourage me from enacting my rights as a victim under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy case number XXXXXXXX XXXX XXXX Bankruptcy case number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, XXXX, health issues, problems in my XXXX, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a XXXX  to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING. This company has admitted that they found this information on public records and i DID NOT give them permission to submit this information to the credit bureaus. They went digging through public records and allowing Transunion to add this to my credit report.
Product: Debt collection

3rd Attempt : This account XXXX XXXX XXXXOriginal creditor : XXXX XXXX  Account Number XXXX Original balance {$5500.00} was removed from my XXXX and XXXX Credit Report. TransUnion has refused and fail to remove this account from my Credit Report after I have provided proof of ID Theft and the other credit bureau removing this collection account from my credit report. All three credit bureaues ( XXXX, XXXX, & TransUnion ) should be reporting the same information. This is not 100 % accuracy and against the law to report inaccurate information on a consumer 's credit report. The actions of TransUnion, XXXX XXXX, and XXXX XXXX XXXX are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act the list of accounts below have violated my federally protected consumer rights To privacy and confidentiality Under 15 USC 1681 15 U.S. Code 1681b - Permissible purposes of consumer reports 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. 

None of these companies had XXXXXXXX XXXX written consent to report 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Information excluded from consumer reports Except as authorized under subsection ( b ), 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. 

Accounts that need to be removed below 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 52 financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX, added a derogatory mark on my credit report per EXPERIAN. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtor/Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

I made a purchase at XXXX XXXX  in the beginning of XXXX and XXXX cards were used for this transaction. I had issues with the merchant and decided to pay cash for the product instead of having it put on my cards. They had to refund the whole amount so they needed to refund my XXXX XXXX credit card and my bank of america debit card. The merchant did not ever issue the refund and after speaking with the manager for almost a month trying to resolve the issue, I told him that I was going to file a dispute. He said go ahead, so I did. The dispute on my XXXX XXXX credit card was accepted and I got that money back. My bank denied my dispute and I didn't find out until XXXX when I accidentally found it on my banking app because I NEVER received a letter telling me that it was denied due to me authorizing the charge which I didn't deny that so they should've never denied it. I never even received a call asking me anything about the dispute before they denied it. XXXX XXXX also said that they were never contacted by my bank. They opened the dispute back up only for them to deny it again based off it being outside of the time frame so I called back up there again and they opened it back up because the lady said that because i never received a letter that it wasn't outside of the time frame. I have been confused the entire time being that it should've NEVER been denied in the first place and now bank of america can't give me any reason why they denied it in the first place and they can not send me any documentation either. I sent them a letter outlining what had happened before I made this complaint while I was waiting for the final answer after they opened the dispute 3 times. The Bank Of America employee that reopened the dispute the last time told me to write the letter. They denied the dispute anyway and on XXXX XXXX, XXXX  they finally had an answer again and it was denied. I never received any documentation for this dispute ever and only can see it on my banking app sometimes. They take anything down that is 3 months or more old so I do not have access and they will not send it to me. I have requested them send me all documentation and they said they can't and that it has already been sent to me which it hasn't. I am out almost {$3000.00} and this is not ok. Please read letter I uploaded for all details. Thank you. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit card or prepaid card

I discovered my minor child made almost {$9000.00} in purchases using my credit card. This was the beginning of XXXX. I filed a dispute. I spoke with a rep several weeks later to provide more details. I received a letter in the mail today stating that I am responsible for my child 's charges. My child is not an authorized user on the account and I absolutely did not approve of any of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXX XXXX  HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 


XXXX Also requested me to send in information of my identity to XXXX every time I tried to send in this information the website give me error messages I used chrome and XXXX and neither work, I have called several times and can never get any help on were to send the document they will not help me with anything. 

I was Ask to send in these document - bank statement for proof of address - State ID Driver XXXX XXXXWritten Statement I have attach all document request.
Product: Debt collection

On I received a collection notice from XXXXXXXX XXXX XXXX in regards to doing business with [ original creditor ] in the amount of {$480.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; Response : NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. I have not consented or signed any paperwork nor have I received any dispute disclosure information.
Product: Credit reporting

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and Experian refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt.
Product: Debt collection

I legally broke a lease with XXXX XXXX XXXX and paid the lease break fee and final rent and utilities prior to moving out. A mont after i moved out i received a bill for these same fees from the apartment complex. I made numerous attempts to contact the complex to get this rectified but was never able to get anyone to respond or help me. I the received a notice from IQ Data international for this same debt. I contacted them within the 30 days to dispute and submitted proof of payment via multiple emails they provided. They still sent me to collections after numerous attempts to contact them to clear this up. I have provided in the document below a full timeline of all efforts and communication as well as bank statements and even confirmation from the apartment complex via email of the payments. I am happy to provide any other data such as phone records, original documents, or anything else. I paid this debts in full before the due date and this should never have gone to collections and when i submitted this data to collections they should never have turned me into credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed against Trans Union in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX with Trans Union on XXXX different attempts to correct their inaccuracies. However, Trans Union have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Trans Union claiming the account verified how was it verified and by what method did they verify? Why cant they provide me with the original signed contract, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on fourth occasion. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,