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

I was injured by a product I purchased online at XXXX by a third party seller in XXXX. This seller kindly agreed to cover my out of pocket medical expenses because I am a senior citizen on a fixed income and need these funds quickly and PayPal was the only way a XXXX citizen could send the funds quickly to the United States so I opened an account with PayPal. Immediately PayPal froze the funds and suggested they had seen " suspicious '' activity on the debit card I had placed in the walled payment section of the app. No evidence was given as to what exactly they meant. Then had the nerve to send me another email, which I have uploaded, suggesting I 'had not responded fast enough to the previous email? '' At first I just sat at my desk trying to process what I had just read, then I because angry and offended because they are suggesting they will hold these funds from me for as much as 21 days till they decide I can have it. This can not possibly be legal. Trying to speak to an actual person is impossible as you have to deal with a chat bot that has no idea what you are trying to tell it. I need those funds now and it is very important due to the medical condition I am having due to this injury and for me to have to somehow prove I am not a criminal is beyond anything I have ever seen. The fees PayPal charges are literally highway robbery. They took out almost {$10.00} from these funds right off the bat and will take another {$10.00} if I ever am allowed to transfer my own money to my bank to the tune of some {$20.00}. PayPal needs to be investigated for not only charging these ridiculous fees but slandering their own customers in the process.
Product: Payday loan, title loan, or personal loan

Apparently in XXXX, I opened a PayPal account and as of XX/XX/XXXX I owed XXXX XXXX 
XXXX XXXX is the debt collector. I have disputed it and a police report was made I definitely did not or ever have used PayPal. XXXX XXXX asked questions. the address, email and phone number are not mine but my XXXX was a match
Product: Vehicle loan or lease

Completed a lease with Hyundai Motor Finance ( HMF ) on a XXXX XXXX XXXX. 
The vehicle was returned to the dealership on XX/XX/2020 - no damages were noted on the return of the vehicle. 
This vehicle was original to have been returned on XX/XX/2020, however, Hyundai refused to accept the return due to space constraints at their dealership lots. Due to repeated calling, the vehicle was finally accepted for return on XX/XX/2020. 

I am owed a {$1600.00} refund for my security deposit on the vehicle. I have spoken with HMF on several occasions, the agree this money is owed to me. I was told the refund would be issued within 3 weeks of the return of the vehicle. 
HMF has not issued by refund and will not give me any timeline. 
As of the writing of this letter, it has been 63 days since the return of my vehicle. 

Hyundai has breached its lease agreement with me on multiple points.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with Conn 's HomePlus Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with Conn 's HomePlus. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. **Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted Conn 's HomePlus to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that Conn 's HomePlus take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with Conn 's HomePlus regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America is not following Regulation CC in deposits. I tried to deposit a {$17000.00} from my Attorneys Trust. When I deposited the check I was given a print out on deposit slip stating they would follow regulations and that {$5300.00} would be available on XX/XX/2022 and {$11000.00} would be available on XX/XX/2022. Which does not even equal {$17000.00}. They then sent an email stating they would hold it on the XXXX stating fear of a returned check. They did not provide any reason to suspect check would be returned as it states is required in Reg CC. Furthermore the issuing bank XXXX has stated funds have already been cleared and received. My bank stated they dont care and they do not care to call XXXX and verify. Even if they received verification of funds being released to hey would hold my funds abnormally long and they can do that. However, Regulation CC states they can only do so if they think they will not receive funds. How can they continue to hold my funds for several business days after receiving funds. I believe this is for their own personal financial gain. They are using my money for a short term investment. Their is no reason to hold my money for several days after receiving it from the issuing financial institution.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request..
Product: Payday loan, title loan, or personal loan

Omni loans are refusing to provide me with a loan because of a prior bankruptcy. In XXXX of 2015, I had to file a XXXX  XXXX because of some personal reasons and part of the roll-up was a loan a had with Omni. Prior to XXXX XXXX, I had a great XXXXyr relationship with the company but like I stated personal things happened and I had to file for a XXXX XXXX. I am not supposed to be discriminated against because of past events and under the Equal Credit Opportunity Act this is not to be. They are targeting my character and this is a direct violation which the law clearly states it is not allowed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am making this complaint on behalf of myself. LVNV FUNDING/RESURGENT is furnishing information to consumer reporting agencies without my permission. I sent LVNV/RESURGENT a notice in the mail ( certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) that arrived at their offices on XX/XX/2024 ( see copy of letter/notice and proof of usps delivery attached below ) exercising my right to opt out of the sharing of any non public personal information including my name, account number and transaction history. They have ignored my request. The law says if a consumer exercises their rights under the gramm leach bliley act to opt out, the corporation must process that request within a reasonable time frame, it's been over 30 days since delivery. They are now illegally furnishing my information.
Product: Debt collection

My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a fraudulent department store credit account opened in my name on Friday,  XX/XX/XXXX because the department store called me to verify that I had opened a charge account online, and wanted to confirm that I had charged $ 600+ in merchandise before shipping it. I stated that I did not open an account, and that the account and purchase attempt were fraudulent.
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I went home and placed a fraud alert with the major credit bureaus, and I subsequently obtained and reviewed all of my credit reports.
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I found an item under the " soft inquiry '' section of my report that was disturbing : an item indicating that I had accessed my own credit report via the agency 's interactive site on   XXXX  , but I did not access my report on that date. When I called this credit agency, the Fraud Department told me I had to speak to the Interactive division, and the Interactive division told me I had to speak with the Fraud Department, and also told me that they can not access any additional information about the source of the fraudulent consumer inquiry in question that I did not initiate.
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Obviously, if there is a logical explanation, I 'd like to know. Given the recent fraudulent department store account, it 's very frustrating that potentially, an unknown party posing as me, obtained my credit report. I 'd like to what this inquiry is, and if it is fraudulent, and how to prevent it from happening again, and how to keep it from happening to others.
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And, perhaps coincidentally, the potentially false consumer request from the fraudulent person posing as me happened on  X/XX/17 . The date that the department store made an inquiry to open the fraudulent credit account was just 3 days later on   XXXX  .
Product: Credit card

I have been a citi bank customer for many years. my citi double cash credit card is my primary credit card. However, each time I use the card my normal every day transactions get flagged as fraud. As has become our annual tradition just as the holidays have stared Citi has decided to in XXXX hours flag my card for " fraud '' XXXX different times. Now they're telling me they can only clear the fraud alert by sending me a letter. 

So on the eve before XXXX, as I prepare to buy food for my visiting family and as I prepare for the largest shopping weekend of the year I've lost access to my card for XXXX business days I've offered to go into a branch. They wont accept that. Ive offered to overnight them any information they need. They wont accept that either. They wont even send the " letter '' they want me to use as reference express or overnight. So now its XXXX on XXXX eve, tomrorow is a holiday. At best they'll generate this letter on Friday but most likely on XXXX  of next week. XXXX business days will be XX/XX/XXXX to XX/XX/XXXX. That means potentially XXXX calendar days! 

How is this acceptable? 

If you're going to have such a hair trigger fraud system at least provide ways to clear it that dont involve me being without a card for the entire holiday season. 

Please unlock my account and stop flagging my ever day transactions as fraud.
Product: Debt collection

XXXX XXXX overcharged me 4 times in 4 months in the amount of {$99.00} each time in the total of amount of {$390.00} for prepaid services. 
They are charging me {$180.00} for something that I am not aware of. I Tried countless times to resolve this matter but their response every single time was their billing system is faultless. 
This account is from XX/XX/XXXX and since then we've been trying to fix it. They re-opened the account in XX/XX/XXXX leaving a derogatory mark on my credit report of an unpaid account. 
I do not owe this debt. Would like them to take out the derogatory mark on my credit.
Product: Credit reporting or other personal consumer reports

For months I've been sending dispute letters to TransUnion regarding the inaccurate reporting of the account XXXX XXXX XXXX ( Account # XXXX ), also demand that they provide me physical documentation to verify the accuracy and proof that I owe {$310.00}, and they refuse to correct the inaccuracy, or delete this account oof my credit file.It 's still today reporting inaccurate on my credit file.

According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. They are in validation, and therefore this account needs to be deleted permanently.
Product: Debt collection

I had my identity stolen and that account was opened in my name. I tried to dispute it but the credit bureaus didn't respond and the company didn't respond.
Product: Checking or savings account

I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.
Product: Debt collection

Most recent calls from Radius Global Solutions were : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. The numbers they are calling from XXXX and XXXX. Amount they are trying to collect is {$1400.00}. They call me while I am at work and I make sure I tell them that. In one call, they asked if I could make a post dated payment of {$50.00}. When I told them that I intended to make a payment and when, they questioned me my intentions in doing so. I had to block the numbers Radius is calling me from.
Product: Mortgage

To Whom It XXXX Concern, On numerous occasions beginning in XXXX of XXXX, we have applied for and been denied a home loan modification. On numerous occasions they asked for documents that were previously submitted, only to deny us for reasons that do not make sense financially. Most recently, we submitted a short sale package to our lender XXXX now XXXX Mortgage. They have repeatedly asked for documents that were previously submitted. They have done this in an attempt to reject the short sale package and move to foreclosure
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is XXXX  and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.
Product: Mortgage

I have repeatedly filed for a forebearance with my mortage company over the past two years. I have each year had a valid unemployment letter. the company has unfairly denied my modification request. I have money to meet my priority debts and i am being unfairly denied the forebearance. I have all the paperwork including proof of unemployment and a completed modification form and i am not being approved for the request for forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX,.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i sent the CEO of equifax XXXX XXXX ; a statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, XXXX XXXX XXXX if the matter is not correct within XXXX calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, XXXX  XXXX  XXXX of name and estate. i have reason to believe and do so great faith
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, Equifax and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 1681 a ( 2 ) ( 1 ) under exclusions and15 USC 1681 s2 I feel my rights have been violated. 

I had a loan from the department of education to attend XXXX. After I had already been paying on the loan, XXXX recalled the loan from Department of education and sent {$2400.00} to XXXX XXXX for collection. 
I requested then and am requesting now a copy of the original loan. 
My loans is also reporting conflicting amounts on all three credit bureaus because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account number XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Account number XXXX
Product: Credit card

I received an email from a credit monitoring service that a XXXX  inquiry was blocked, because my credit report is frozen. " If this doesn't look familiar, it could mean someone tried to open an account in your name. '' When I reviewed my credit report, I didn't see any negative activity, so I contacted the credit monitoring company and spoke with a XXXX who told me that there was nothing that was reported about a hard inquiry and provided me the number to the credit bureaus to discuss it with them. I had the freezes already placed on my credit reports with XXXX  XXXX  services. I am an existing customer with the company in question, so I checked my account and nothing had changed there. The next day I received an email from the company in question to call them about my credit application. Because of the time, I wait to speak to someone the next day to tell them I did not submit a credit application. I was told that a fraud alert who be sent out on my behalf with there apologies and offering to pay any costs associated with this error. I checked my credit report over the phone and I received a message that a fraud alert was on the account. Today I received another emailed from the company in question stating they posted a new notice or letter in my account and encouraged me to read the XXXX page letter in its entirety. I tried to call the company in question to get more information, but they are closed. I am being directed to take action to protect my personal information : contact the FTC for advice, add XXXX  and XXXX alerts with the XXXX credit bureaus, notify all of my banks and financial companies, review my credit reports carefully, file a police report, report any issues with my mail, and close any fraudulently opened or changed accounts. In order for me to get the details from the fake application I have to send in proof of identity and FTC report numbers and Theft XXXX and XXXX XXXX from the company in question. This request must be mailed in writing. Questions asking me how was my identity XXXX  ; that is a mystery to me and I XXXX curious to find out.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX