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

Consumer Financial Protection Bureau Subject : Formal Complaint Against PayPal Regarding Account Limitation and Fund Withholding Dear Sir/Madam, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account and the withholding of funds totaling {$140000.00}. My name is XXXX XXXX, and my PayPal account is associated with the email address XXXX. I have been providing virtual consulting services to clients, and PayPal 's actions have severely impacted my ability to conduct business and access my rightful earnings. 
Few days ago, I received notification from PayPal stating that my account had been permanently limited without providing any valid reason for this action. As a result, I have been unable to withdraw or transfer the funds in my account, which are essential for sustaining my livelihood and meeting financial obligations. 
I have diligently followed PayPal 's terms of service and guidelines throughout my usage of their platform, and I am confident that there has been no violation on my part to warrant such drastic measures. Furthermore, PayPal has failed to provide adequate communication or justification for their actions, leaving me in a state of uncertainty and financial distress. 
As a professional consultant, I rely heavily on PayPal as a trusted payment gateway to facilitate transactions with my clients. The sudden and unexplained limitation of my account has not only disrupted my business operations but has also tarnished my reputation and credibility in the eyes of my clients. 
I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and advocate on my behalf to compel PayPal to release the funds being wrongfully withheld and to provide a clear explanation for the permanent limitation of my account. I firmly believe that I am entitled to access my funds and deserve transparency regarding PayPal 's decision-making process. I also lost access of my email address associated with my PayPal account so please ask PayPal to contact me at my new email address XXXX. 
including notification of the account limitation and any other relevant documentation that supports my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores access to my funds and addresses the unjust treatment I have experienced at the hands of PayPal. 

Thank you for your assistance in this urgent matter. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I contacted the mortgage company because I noticed there was no payment made on my property taxes. The company followed up and stated for me to send them my bill and they would take care of it. I followed up on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX will no resolve in my property tax payment. Then, onXX/XX/XXXX, the company transferred my loan to a different service provider. Not paying off the property taxes and the late fees that have been incurred. The service provider is Shellpointe Mortgage Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was not sent by mistake. It appears that incorrect information has been included in my report ; I am seeing accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me considerable stress and anxiety.
Product: Credit reporting or other personal consumer reports

Equifax has wilfully violated the Fair Credit Reporting Act ( F.C.R.A. ) by failing to comply with the following provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failing to conduct a reasonable reinvestigation ), 15 U.S.C. 1681e ( b ) ( failure to maintain accurate information ), engaging in deceptive practices through unfounded claims, concealing how verification and updating were done using only internal records, and acting in bad faith to circumvent their obligations under the F.C.R.A. These violations have resulted in the continued reporting of outdated and inaccruate information on my credit report. I request that the CFPB investigate Equifax non compliance and ensure accountability for these unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account XXXX :XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
Product: Credit card

I am disputing a XXXXXXXX XXXX XXXX  account ( # XXXX ) that was set up through XXXX XXXX XXXX in XX/XX/XXXX. During installation, XXXX representatives assured me that no permanent property damage would occur. However, the technicians drilled into brick walls, causing permanent damage to my rental property. 

Due to this misrepresentation, I requested cancellation. XXXX acknowledged the issue and offered free months of service, but refused full cancellation. The equipment was removed on XX/XX/XXXX, and I no longer possess it. XXXX  continues to bill me for this equipment, despite it being removed and resellable by XXXX. I should not be held responsible for the remaining balance on equipment I do not own, do not use, and never would have agreed to had I been told the truth about installation damage. 

XXXX  refuses to cancel the balance unless XXXX provides written direction, and XXXX refuses to provide that direction. I am stuck between both companies despite being misled and now financially burdened. 

I am requesting full cancellation of the balance and confirmation that my XXXX  account is closed with no negative reporting. I also request XXXX/XXXX  to arrange equipment pickup if necessary at no cost to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX , and all payments were placed on Autopay. 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in the account to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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. 


XXXX XXXX XXXX , 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy that was XXXX by the court in Indiana 2 years ago and it is still showing on my credit report which is causing XXXX XXXX to deny my application for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

I reported fraudulent activity on my XXXX XXXX account multiple times, which resulted in an outstanding balance of {$1600.00}. Despite my efforts, XXXX XXXX disregarded my claims and subsequently hired Scott & Associates PC to collect the debt. To avoid any derogatory remarks on my credit report for an issue that was not my fault, I agreed to pay {$900.00} as part of a settlement agreement. Under this agreement, Scott & Associates PC assured me that the accunt would be marked as settled and that no information about the account would be reported to any credit reporting agency. 

However, in breach of this agreement, the negative account was still reported to the credit reporting agencies, XXXX, XXXX, and XXXX. When I contacted Scott & Associates PC about this issue, I was referred back to XXXX XXXXXXXX. Upon contacting XXXX XXXX, they redirected me back to Scott & Associates PC. Both companies have failed to take responsibility or resolve this matter, leaving me without recourse and with unwarranted damage to my credit report.
Product: Bank account or service

I used Charles Schwab 's Bill Pay to make payments on a XXXX XXXX loan that I had paid current since XXXX. In XXXX XXXX I set up the account to autopay the loan through the loan 's final payment in XXXX. Instead of doing what it was supposed to do, the system overrode the date I put in and set XXXX XXXX as the final payment date. In XXXX XXXX, XXXX XXXX sent a letter threatening collections, and that was when I first became aware that Bill Pay had failed. I paid the loan payments current, and then had the Schwab rep get on the phone with the XXXX rep. The Schwab guy said that the error was likely a Schwab system error, but refused to send a letter or email to XXXX because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers. Schwab now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony. 

The net result is that my credit has been negatively impacted. I 'm trying to buy a house, and the past due is hurting my credit score and could well cost me thousands of dollars more in interest expense. 

Since XXXX continues to report my " late '' payment from XXXX, I will submit this complaint each month until Schwab resolves it. Please treat it as a brand new complaint, since every time XXXX reports this it affects my credit.
Product: Debt or credit management

Experian- this past XXXX of XXXX  I attempted to dispute most information off my credit because I did not recognize the names of the accounts, most of the accounts were taken over by a new company & many more. Once attempting to dispute that information Experian did an investigation for 2 days and provided me with the information that it was accurate and they had reached out to the companies. Apparently there is a lawsuit going on stating Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. Therefore I would like this reviewed and most things removed off my account for companies that closed, written off or changed company names without sending a letter or email notice.
Product: Debt collection

Ok this original account was with Kornerstone Credit they sold it to XXXX XXXX XXXX, who sold it to XXXX XXXX who sold it to XXXX XXXX who then sold it to XXXX XXXX XXXX. I spoke with these companies for almost 2 months trying to get to the bottom of this so i can settle this account, i have been getting the run around. This is one account and XXXX XXXX XXXX and XXXX XXXX XXXX have it on my credit they are trying to charge me twice for one account. When doing my investigation XXXX had me owing {$5000.00}, which was wrong so when i contacted them 2 weeks later they changed it to the right amount, i disputed the amount to transunion. With XXXX XXXX XXXX they removed this account off my credit report and last month now its back on there. All these companies have been giving me the run around and i'm just trying to settle this account. I went as far as reporting XXXX XXXX XXXX to the XXXX, still waiting on a response. I spoke with XXXX today XX/XX/2023 and they gave me this website, I spoke with Representative XXXX. She also see where i disputed these 2 creditors on many occasions. This is one account and the bedroom set was {$1800.00} dollars so i do not know where the {$4500.00} come from. I'm trying to settle this account but I don't have correct information and all these creditors involved are giving me the run around. Can you please assist me in this matter.
Product: Debt collection

Debt collector - servicer - keeps sending monthly statements to my home. 
Notice to CEASE & DESIST being mailed to the address they requested it be mailed to ( per their statements ) see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, Navient is willfully reporting wrong student loan balance to ( 1 ) XXXX XXXX  2 ) XXXX ( 3 ) XXXX
Product: Debt collection

XXXX XXXX XXXX never provided an invoice for HOA fees. I requested that they send me an invoice, they never did. Instead they put me into collections. After my answer to the court the collection company sent me an invoice from the HOA which I paid and the check cleared. The collections put a lien on my home and then demanded {$2500.00} in money.
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX Amount : {$25000.00} Account number : XXXX Date opened : XX/XX/year> b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and TransUnion in XXXX of 2023 to correct inaccuracies in my credit report and XXXX and XXXX declined to correct the reports. Under 15 USC 1681e consumer reporting agencies are to assure maximum possible accuracy. XXXX and XXXX have been in violation of 15 USC 1681s-2 for knowingly reporting inaccurate information since that time. 

Incorrect information on XXXX 's report : Two addresses are non-mailable : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX Former or current employers that are incorrect : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses on XXXX 's report XXXX Two addresses are non-mailable : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX In XXXX of XXXX under XXXX XXXX XXXX XXXX opted out of XXXX XXXX XXXX  reporting my nonpublic  personal information. The consumer reporting agencies are still reporting my XXXX credit card balances/ transaction history, which is in violation of 15 USC 1681a. The consumer reporting agencies are also violating my rights under the Privacy Act of 1974.
Product: Credit card or prepaid card

We have reported 4 transactions to Capital One that occurred on our credit card from 2 XXXX XXXX accounts that are not ours. These transactions occurred on XX/XX/2022 and XX/XX/2022 in the amounts of {$400.00}, {$400.00}, {$200.00}, and {$220.00}. We've asked capital one to investigate these transactions as we did not initiate or approve these transactions. They refuse to investigate, they did do an initial investigation and within a day came back to us and said they could not find evidence of fraud. Not much of an investigation if it only took a day. I was able to find out from cash app that these transaction occurred between 2 parties. Both parties included my wife 's name 's ( both married and maiden name ) and both of her cell phone numbers. The only thing that is different is they are two accounts using 2 different emails that are not ours. What's odd is both of these accounts have our credit card linked to them and are only processing transactions between themselves. Based on the timing of these transactions happening in the middle of the night and the ip address 's associated with these transactions happening somewhere that is not our ip address for any of our devices. There is more evidence that proves this is fraud than evidence proving otherwise. Capital one refuses to engage or do anything. They closed our credit card account after 16 years of being a customer and state we refuse to investigate further because the way the account is used. This makes no sense to me, as that being the reason you won't investigate fraudulent transactions. These transactions having nothing to do with the reason you closed the account and if they do, then you closed an account because of fraudulent transactions. I've called on multiple occasions and they refuse to do anything. I should not be responsible for XXXX charges that we did not do. We've had fraudulent transactions on other cards and the other banks are working with us and making sure we get it taken care of. Capital one is the only bank refusing. If this is how they treat XXXX XXXX XXXX customer then I don't want to be a customer with them anyways, but still I should not be responsible for someone gaining our credit card information, creating accounts in cash app and processing transactions we did not authorize. Cash app is also impossible to work with. They have just not responded to anything, but capital one has been rude and unbelievably hard to work with.
Product: Credit card or prepaid card

5 unauthorized transactions were made on my account and when I contacted the company they sAID I HAD A contract?? with the place that the transactions were made and to contact them. However i did not and you can not contact the company as they refer you back to an account a person would have with them and I do not use this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is affected by these accounts I never opened. I feel that I am being ignore about this matter. This reporting errors has caused me a lot of stress because my credit has been affected by this for some time.
Product: Vehicle loan or lease

This company has repeatedly used the terms " charged off '' in reference to my auto loan since XX/XX/XXXX. When calling in on XX/XX/XXXX they even refused to take ANY payment at all. The woman told me they didn't even own the loan anymore that it was sold and charged off and my best bet is to trade the car in before the collections company comes for it. Which I could not because Wells Fargo refused to release any information even after signing the paperwork at the dealership giving them permission to retrieve the information. They even told the dealership the loan is charged off with collections. I've filed two disputes and each one the company has DENIED having any communication with us and DENIED telling the dealership anything even though I was right there and heard it all. Today XX/XX/23 my car was repod and the repo driver told me Wells Fargo did not own the loan anymore but he could not tell me where the car was being taken to or who owns the loan that he is not allowed to disclose that Wells Fargo has to. So I called Wells Fargo to which they said they have the loan and once again would not work out reasonable payments and demand the full payment or it could be broken down into four. Which can not happen because they charged off the loan so we can not get a loan for any amount because of the status they put it in. We have expressed MULTIPLE times that all we need is for them to let us start fresh with one month payment due and we would be able to get back on track. I did not want to bring an attorney into this because I figured with all the law suits they already have for people literally in the same exact situation they would be willing to work with us. This company lies and is not willing to work with anyone. They even denied us deferment during covid when they legally had to work with us. I will not drop this until the company can make a reasonable payment plan with us even if I have to join the multiple lawsuits. The letter below doesn't say one word about repossessing the vehicle. It also doesn't give a time frame for when payment is due. It also came before the company told us the loan is charged off and no long active that payments can not be received towards it. I would also like to add that our contract has no loan or account number on it and the company has not offered to give the money we paid for GAP insurance back and we are legally entitled to it. My attorney also states it is illegal to " charge off '' an auto loan account without taking the car and selling it first. The tow truck driver also said he knows he is taking it to an auction lot but yet the company is required to send that information to us XXXX certified mail and has not done so.