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

my paypal acount is permanent limited.. i buy and sell crypto.pls help to restor my acount
Product: Mortgage

My mortgage loan servicing was transferred to a new servicer in XXXX this year. I have made XXXX payments to the new servicer that they have lost and they have been unresponsive in correcting the problem. They have never contacted me or indicated that anyone is working on the problem. I have been in contact with them at least XXXX times trying to correct the problem. The original problem seems to be that I imputed the wrong account number when initially setting up the payment with my billpayer and this was identified on their first contact. The payments are made by electronic funds transfer and I have verified that the payments were sent to the servicer. I have also sent documentation to the servicer that the payments were sent from my financial institution. According to law they can not report a missed payment for 60 days but we are close to that deadline and they have not done anything to correct the problem.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX BOD : XX/XX/year> SECURITY FREEZE
Product: Checking or savings account

I have talked to Wells Fargo Representative XXXX XX/XX/XXXX and now XX/XX/XXXX for so many times to dispute some transaction that I have no knowledge about and still existing on my account. They keep double charging my payment on account. And still not receiving the right amount back to my account. I have been complaining several times. Its been like a weeks now since they never communicate with me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked on my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/2024, to investigate these accounts XXXX sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Debt collection

I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : Portfolio Recovery. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, XXXX XXXX, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting Portfolio Recovery for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 

I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I  have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years.
Product: Payday loan, title loan, or personal loan

They tried to bring down my payments but I lost my job
Product: Debt collection

The daily robocall is from Montgomery Ward. They have the wrong number as I have never done business with Montgomery Ward. They ask If I am [ unintelligible name ] and ask me to press 1 if I am that person or 5 if I am not. When I press 5 the robocall tells me to tell [ unintelligible name ] to call them. If I press 1 they say they need to verify who I am and the robot starts asking questions. There is no choice to speak to a representative so I can tell them that they have the wrong number. Pressing 0 does not work. I have blocked the number, but then they leave a voicemail every day that I have to listen to and delete. It has been more than three weeks now. The time of day varies. The time given on this form was for today 's call.
Product: Checking or savings account

On XX/XX/year> I scheduled a batch payment using the Wise online banking platform with the purpose and intention of paying my employees. Wise has given me the run around with no real explanation as to why I can not cancel the batch payment as it appears theres a glitch on their system. The payments never processed and the {$9600.00} in funds never reflected back into my account. I have reached out to Wise ( XXXX ( XXXX ) XXXX ) several times about this and they continue to tell me to perform the same actions I've already performed dozens of times to no avail. They're telling me to login online and cancel the paused batch payment. I've tried this dozens of times and reached out to Wise. They keep running me around. I sent them videos showing that I've tried to no avail. Instead of escalating and having their back end team cancel what needs to be cancelled and placed back they continue to give me the run around. I have asked them to release the funds back to my balance so I can close out my account since I've tried on my end several times to no avail and they still give me the run around.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.
Product: Student loan

This is in regards to my previous complaints. The most recent one is # XXXX. Citibank responded to my last complaint stating that they have not received my payment. I have a receipt showing that they did in fact receive my payment on XXXX XXXX, and it was received by XXXX XXXX ( see attachment ). My check was returned to me ( yet again ) on XXXX XXXX with a letter stating that they could not verify my correct account number. I checked the account number that I wrote on the check and it matches all of the documents that I have received from Citibank previously and the account number that I was using to make payments during my cosigner 's bankruptcy ( I can provide proof if this if needed ). If the account number has changed I have never been notified. Every time I call Citibank to discuss the loan they either tell me that I have a zero balance with them, or they have no record of an account with my information ( but refuse to give this to me in writing ). This makes me wonder whether or not this debt is even valid. I have made many attempts to pay this debt, but Citibank continues to make it impossible to do so. I keep getting false or misleading information about this loan from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Financial Intuitions are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant. 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a call from a caller ID that stated it was Wells Fargo. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by XXXX is was denied and they couldn't give me any more information until I received a letter in the mail, and Wells Fargo wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.
Product: Debt collection

After reviewing my credit report, I discovered Jefferson Capital was reporting this negative account on my file. I requested debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt. I have asked them to delete this account from my file with the credit bureaus as it does not meet the FCA reporting requirements.
Product: Mortgage

Bought my house in XXXX and never missed a payment until the covid crisis. Due to being layer off of my XXXX XXXX because of work being slow from covid. Last spring ( XXXX ) during the peak of covid, I asked for assistance from my lender but was declined. They only asked me XXXX questions to see if I qualify for the covid relief program. Now I am XXXX weeks from the sheriff sale and foreclosure.
Product: Mortgage

I was given a loan modification under MAKING HOMES AFFORDABLE. I was to receive XXXX incentive pay for successful payment under this program to my loan. I was told I was going to receive this on the anniversary of the 6th year. I have NEVER received this. I am on the seventh year. 

I do not receive any mortgage statements. I want my XXXX pay for success incentive to be applied towards my principal balance. I have called and was first told it was to be applied XX/XX/2018. It is now XX/XX/2018 and nothing. I have been on the phone for 20 minutes with XXXX XXXX who knows nothing and is printing my modification papers. 
Like that will help. She sees that the incentive has not been applied, so what will wasting our time do.
Product: Credit card

Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an incorrect name on my report & records. My name is XXXX XXXX with no middle initial. They have it on there as XXXX XXXX XXXX ( which may belong to another XXXX XXXX in town ), and is not mine.
Product: Debt collection

Allegiant Capital Recovery calls me day and night - and while I am at work- and leaves voicemails for someone named XXXX XXXX. I am not XXXX XXXX. I do not know who that is. I got this number from XXXX. I have requested in writing on their website ( that I was only able to get by XXXX  the phone number they left ) for them to please stop and that they have the wrong person. They won't stop. They leave threatening vague voicemails that do not even identify their company. How is that legal? Why won't they stop? There doesn't seem to be anything I can do to make it go away.