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

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account ( XXXX ). I believe there has been a misunderstanding or an error in this matter. 

Firstly, I would like to express my genuine surprise and concern regarding the account limitation. To my knowledge, I have always abided by PayPal 's policies and guidelines. I have not engaged in any activities that could potentially violate the terms of use. Therefore, I am led to believe that this limitation might have been placed due to an inadvertent mistake. 

I kindly request that you review my account activity thoroughly. I am confident that upon re-evaluation, you will find no breach of PayPal 's policies from my end. It is of utmost importance to me that my account be reinstated, allowing me to resume my transactions without disruption. 

I understand that PayPal has stringent security measures in place, and I truly appreciate those efforts to ensure a safe online environment for all users. However, in this particular instance, I am convinced that an error has occurred. I kindly ask that you conduct a comprehensive review of my account and its recent activities to rectify this matter. 

I rely on my PayPal account for various essential transactions, both personal and professional, and the current limitation has caused me significant inconvenience. I earnestly appeal to your sense of fairness and justice to re-investigate this case and, if deemed appropriate, lift the limitation on my account. 

I genuinely value the services that PayPal provides, and I hope to continue using them with the same level of trust and satisfaction that I have experienced so far. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. I look forward to a positive resolution of this issue.
Product: Checking or savings account

I am filing a complaint in regards to Capital Ones failure to ensure my deposit into my checking account from my employer as well as other deposits I have coming in. I am in need of access to my funds in which Im unable to access due to this. I would like to make sure my rights are protected although Capital One stated there were some technical difficulties within the system. Ive been a loyal customer for decades and Im very dissatisfied with this situation.
Product: Credit card or prepaid card

In XXXX 2017, my Citibank XXXX ending in XXXX was part of a data breach at XXXX XXXX. I cancelled my card XXXX XXXX, XXXX when suspicious charges began appearing. At the direction of Citibank, they said not to contact any merchant and that they would cancel my card and send out a replacement. They said cancelling the card will eliminate any charges set up as recurring from continuing on my new card. In the months of XXXX, XXXX and XXXX, one charge keeps showing up on my card ; XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00}. Each month I have had to explain the problem and request the charge be cancelled. I do receive a credit but the charge appears the next month. Today I called and was told that Citibank did not follow their own process for recurring charges and that they will have to cancel my replacement card and issue a new one to eliminate the recurring charges. Im requesting that Consumer Financial Protection Bureau contact Citibank to ensure that the problem of a recurring fraudulent charge is resolved permanently.
Product: Money transfer, virtual currency, or money service

Subject : Dispute with Bank of America Regarding Fraudulent XXXX Transactions Claim Number : XXXX I am writing to seek your assistance regarding a dispute with Bank of America involving two XXXX transactions that have been deemed fraudulent by the bank. Despite providing evidence supporting the legitimacy of these transactions, the banks investigation, based on a " cell phone conduction analyzer, '' concluded that these transactions were not initiated by my client. 

Transaction Details : Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX Transaction Date : XX/XX/year> Amount : {$650.00} Confirmation Number : XXXX These transactions were legitimately initiated by my client, XXXX XXXX, for services provided by XXXX XXXX On XX/XX/year>, I spoke with a Bank of America supervisor named XXXX XXXX ID : XXXX ). During our conversation, he informed me that the bank had conducted a cell phone analysis to determine the legitimacy of the transactions. However, a previous representative I spoke with on XX/XX/year>, instructed me to submit any evidence I had to support the legitimacy of the transactions via email. On XX/XX/year>, XXXX informed me that email submissions are not accepted for this case. 

I kindly request your intervention to help resolve this matter and ensure that the transactions are recognized as valid payments. Attached are copies of the supporting documents validating these transactions. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with Equifax requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a XXXX party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with XXXX XXXX nor do they have any permission to verify any information that may pertain to me. Equifax can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Product: Money transfer, virtual currency, or money service

I am submitting this formal complaint to bring to your attention a serious and recurring issue involving Robinhood. Over the past 60 days, Robinhood has suspended my account twice, arbitrarily locking my funds without providing any clear reason or explanation. These suspensions were made without any indication of a violation, and despite numerous attempts to resolve the matter through their support team, I have been met with closed tickets and disconnected calls.

Robinhood 's actions have effectively denied me access to my own funds, with no indication of when they will be released. This lack of transparency and disregard for proper customer service practices is deeply concerning and raises significant questions about Robinhood 's handling of customer assets. 

As a retail investor, I depend on timely access to my funds and expect that they be handled in compliance with industry regulations. The ability of Robinhood to suspend accounts and withhold funds without clear cause or recourse is unacceptable. I am now forced to consider moving my assets to a more reliable brokerage, but before doing so, I am seeking your intervention to assist in allowing access to my own money.
Product: Credit reporting or other personal consumer reports

On multiple occasions in the last XXXX years I have Disputed a Loan XXXX XXXX XXXX XXXX, and a military star card debt that was closed and its bee. Over 7 years. And a new recovery account that was just added. I have not lived in the US for many years. I even submitted photos of my foreign residency documents from XXXX and XXXX. I only returned to the US in XXXX of this year to apply for Social Security XXXX. I am working part time I also get a govt pmt from the Italian Govt that is verifiable. But none of the XXXX bureau 's will remove these things my credit cards are all Paid on time. Banks rely on credit bureau 's for their information but when you dispute the information and its still on there after 7 years. That's a problem especially when. I have proof of where I have lived for the last 19 years.
Product: Mortgage

I received a delinquent tax bill for an extra parcel of land that was included on our mortgage. It was supposed to be escrowed out of our payment, however it was not. I notified my mortgage company Caliber Home Loans of this in XXXX XXXX and a research request was submitted. I called back in XXXX XXXX after receiving yet another delinquent tax bill. They informed me the research request was still pending from XX/XX/XXXX. I have called back again on XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX and still no action has been taken, according to the representatives with whom I have spoken. I have faxed in 3 Qualified Written Requests with no response from their company. Meanwhile, my delinquent tax bill is accruing more late fees. This is a direct violation of RESPA, as my account is not being escrowed properly and I have notified them on XXXX occasions that this needs to be remedied.
Product: Credit reporting

On XXXX XXXX, 2016, I checked my credit on XXXX and I had a total of XXXX hard inquiries removed from my report. I checked my account on XXXX XXXX and all XXXX hard inquiries were placed back onto my account without sending me a reinsertion letter as required by FCRA section XXXX. I have been calling Transunion ever since and I 've received no help at all. No one will even transfer me to an American representative or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but it 's basically too bad and I should simply file a complaint because they will not fix it.
Product: Debt collection

I spoke to XXXX XXXX  and advised of identity theft-fraud on this account in writing years ago. Also spoke to Convergence Receivable LLC and advise of identity theft in writing as well..I advised the other Law office this is not my debt. Now I am being garnished by XXXX XXXX XXXX XXXX XXXX XXXX for debt that is not mine. I did speak to the representative at XXXX XXXX XXXX, XXXXand advise him this was not my debt. He responded by advising me that my information was not the same information listed on the account. Attach is a copy of the FTC identity theft affidavit. Please cease all legal action and close this account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Golden 1 CU # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act 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 according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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: Money transfer, virtual currency, or money service

ACCCOUNT CLOSED FOR NO REASON. RESTRICTED MY MONEY
Product: Credit card or prepaid card

On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success
Product: Credit card or prepaid card

My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.
Product: Credit reporting

i did n't receive any information about this collection. i also disputed a collection that was vacated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX XXXX   {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 

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  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 reporting, credit repair services, or other personal consumer reports

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX  I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 received an email from Experian regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX  ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called Experian about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX services marked you late. 

( XXXX XXXX a natural person ) Experian told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy. 
I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus Experian, XXXX XXXX and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Open account
Product: Vehicle loan or lease

XX/XX/XXXX I just paid XXXX for my XXXX XXXX XXXX. I have been two weeks late on paying for 2-3 months now. Payment arrangements are allowed but late charges are still tacked on. They would not change my payment date from the XXXX of every month to the XXXX to solve this issue. Ive had this truck since XXXX. My interest rate it a LOT! Thats my fault for poor money management. But these unchangeable late fees will just add hundreds of dollars to my payment over time. Id like it looked into if possible. I got the truck for XXXX ish and after fees and credit acceptance it was XXXX over the course of payments. Just want to know if Im getting XXXX and what I should do
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on XX/XX/2020. I was approved and Upgrade Inc. wanted additional information to finalize the loan, When I saw the apr, I deleted the email and never finalized the loan. I later got an email a few days after that stated my loan will be deposited into my bank. I notified Upgrade Inc. instantly via phone call and email to cancel the loan and asked who completed the  finalization paperwork since I didn't do it. They apologized and said the loan would be cancelled. The loan was retracted from my bank on XX/XX/XXXX. XX/XX/XXXX, Upgrade tried to retract the loan again, after it'd gone through. XX/XX/XXXX, the XXXX retraction was declined by my bank. I've sent at least XXXX emails between then and now, called at least 8 times and have been assured they will cancel my loan. I have many emails to back up what I'm saying as Upgrade Inc. did apologize after they personally spoke to a rep from my bank. Upgrade has sent my account to collections which is negatively impacted my credit score dropping it by 21 points. I expect Upgrade Inc. to fix this problem ASAP.  Otherwise, I'll pursue legal council. 

XXXX  Link : https : /XXXX XXXX XXXX   XXXX & XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows incorrect reporting of a XXXX XXXX XXXXXXXX account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach XXXX  too many times and they say they don't see that account on my SSN. Please refer Experian report XXXX for XXXX account with $ XXXX.they are not sharing full account number to check with XXXX and with full account number XXXX  is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.
Product: Debt collection

Company is trying to collect a debt from over 7 year ago that is not correct. debt is wrong and inaccurate.