23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the recent issues I've encountered with my PayPal account.

Today, I opened a new PayPal account and promptly completed all necessary verifications as requested. However, I am facing a significant problem as PayPal is refusing to issue me a debit card, and there has been no explanation provided for this denial. 


I understand the importance of security and compliance, and I have fully cooperated with all verification processes. Despite this, the lack of transparency and the refusal to issue a debit card are causing me substantial inconvenience. 


I urgently require a debit card for ATM withdrawals, and I believe it is my right as a verified PayPal user. Instead of receiving assistance, I was directed to use PayPal without a proper resolution to my current issue.
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  and 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: Mortgage

I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points taken away from me.

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in  return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

i was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( 9 ), 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.
Product: Credit card or prepaid card

CNB VISA # XXXX On XX/XX/XXXX, a letter was sent out to me that, effective XX/XX/XXXX, my VISA # XXXX at the City National Bank would be closed, and effective immediately, my credit line at the bank is being reduced from {$20000.00} to {$18000.00}. There was no clear reason mentioned on that notice, only that the bank is exiting out of the banking relationship. I am filing this complaint to get more clarification as to why the City National Bank has decided to pursue this action, and if their decision has been influenced by their parent XXXX company, i.e., XXXX, or is this a decision solely made by XXXX and CNB is just following orders? 

My credit account is in good standing, has been paid on time every time, and the credit account was granted to me based on my good credit history in the US, my credit application had nothing to do with the XXXXXXXX XXXX, and if, or at some point, I ended up having a conflict with their parent company XXXX in XXXX, should not affect my credit standing and accounts at an independent subsidiary in the US. The reason I have the belief that XXXX in XXXX is the one making this decision, and not CNB, is that on that exact same date, i.e., XX/XX/XXXX, my accounts at the XXXX bank XXXX had also been scheduled to be closed, due to the conflict that arose with the bank ( the XXXX bank decided to freeze my accounts for no reason, and after a legal challenge, they were forced to release the funds ). 

I would like to let bygones be bygones and continue my banking relationship with CNB, which is an independent US bank, regulated by an entirely different sets of rules and regulations. If there is any chance that the bank could revert the adverse credit action they have taken against me, increase my limit back to the original {$20000.00} and stop the closing of the an account in good standing, I would appreciate it. If the bank still is staying with the decision to close my credit card account, please provide me with a clear reason. 

Thank you for your time and consideration. 

-XXXX XXXXXXXX
Product: Checking or savings account

Consumer Reg E Violation by TD Bank I opened a new savings account at TD Bank located at XXXX XXXX XXXX in XXXX XXXX with bank representative XXXX XXXX and the following events occured : - On XXXX account initially opened with {$25.00} and my incoming the rep that I would make a {$5000.00} deposit the next day. At account opening I stated I did not want an ATM or Debit Card twice, however on the third ask, I conceded and told the rep she could issue me a ATM only card with no debit capability. 

-XXXX {$5000.00} check deposit made. 

-On XX/XX/20 at XXXX XXXX  I received a fraud alert by text from TD Bank that there was an attempted withdrawal in the amount {$760.00} from my account. Upon speaking to TD Bank representative I was informed that three prior withdrawals of {$760.00} each were already made - which I did not receive a fraud alert for. 

-The ATM card never arrived to my residence in the mail. 

-Three withdrawals totaling {$2200.00} were taken from my account at TD Bank located at XXXX XXXX XXXX XXXX XXXX follows : XX/XX/20 at XXXX XX/XX/20 at XXXX XX/XX/20 at XXXX -Once alerted of the above I filed an ATM claim # XXXX on the same day ( XX/XX/XXXX ) -On XX/XX/XXXX upon calling TD myself I was informed that the claim was declined. Subsequently I filed a new ATM claim # XXXX and informed the representative that I would be filing a police report. 
-XX/XX/20 Police Report Filed -On XX/XX/20 ( Saturday ) upon receipt from the XXXX, I forwarded my police report to the regional manager XXXX XXXX and Assistant Manager XXXX XXXX. 
-XX/XX/XXXX Monday morning I received a call from XXXX XXXX informing me my claim was declined again based on the correct PIN code being used. Keeping in mind that I never received or activated a TD Bank ATM card or otherwise. 
-Ms. XXXX stated she was reopening my claim on XX/XX/XXXX. I am awaiting the requested claim number. 

-I communicated to the Bank that I believed my personal information was compromised at TD Bank itself and that my PII was not protected by the Bank as it should be. 

-I asked the Bank to provide me with the phone number used to PIN the ATM card, but was not accommodated. I asked the Bank to pull the video of the withdrawals being made, but was not accommodated.
Product: Mortgage

I have refinanced my primary home address XXXX XXXX XXXX , XXXX, NC XXXX on XX/XX/XXXX XXXX from XXXX to Better mortgage. but better mortgage did not pay refinanced amount to XXXX XXXX till XXXX. almost 110 days after closing. 

meanwhile, XXXX XXXX kept on communicating me over phone and mail to me since XX/XX/2020 that they want their mortgage or they wil report credit agency. 
my credit and my paymnet history is superb in my life. and i kept on talking to Better mortgage and XXXX XXXX  about this mess and i was very under pressure and upset about this mess. 

now better mortgage did settlement with XXXX XXXX on XX/XX/XXXX and they also took XXXX USD from me as settlement. meanwhile XXXX XXXX also reported credit buiero and my credit history is still bad and i cant get loan. 
I have letter from XXXX XXXX that its not my fault and their fault. I believe Better mortgage did breach the contract for not paying loan for 110 days. so I want to claim my financial loss and time loss with better mortgage and XXXX XXXX. 
my profile is also got damaged first time in my life which caysed my otehr business plan to purchase hotel. Its been more then 200 days and my issue with refinanced still distubing me as my credit is still bad. I really need help with authority to help me Regards XXXX XXXX email - XXXX phone - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

: XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I couldnt access account yo add money and called Zelle they called back but didnt help took me through the same series id been through already but no success.
Product: Checking or savings account

I opened a One Deposit Checking account with Citizens Bank on XX/XX/2022. Upon opening my account, I funded my account with {$500.00} from an external checking account and received a username and password for online access to my Citizens account. I tried logging on and got an error. I called customer service and they said the error is because my account is too new and to try again tomorrow. The next day, same error. I call customer service again and they say to try again tomorrow. The following day, still the same error. At this point, customer service is telling me theyre having system wide problems that should resolve in the coming days. At this point, I can tell theyre lying to me just so they can punt the problem to the next customer service representative. I ask to speak to the manager and get put on hold for 40 minutes to no end. The next day, I decide to just call to transfer the {$500.00} back to my external account and close the Citizens checking account. The customer representative tells me the only way to make such a transfer is either with an online account or in a branch. Still, my online account doesnt work due to the aforementioned error. I told them I dont have time in my schedule to travel to god-knows-where their branch is to make this transfer so they can finally close my account and end this fiasco. They tell me theres nothing they can do. So now my money is stuck with Citizens and they wont allow me to transfer it out. My online account doesnt work. And they wont transfer it over the phone.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Re : XXXX XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX, Bankruptcy XXXX On XX/XX/XXXX, you disclosed to me upon investigation of bankruptcy being reported on my consumer report was " verified as accurate ''. Thanks for getting back to me so quickly on that, by the way. You guys move pretty fast!! 

Please note that I have obtained copies of my XXXX report and the bankruptcy IS NOT reported. This is attached. 

Please also note that I also reached out to the bankruptcy court in XXXX, NJ, and they stated they DO NOT report OR verify information with credit bureaus. This letter is attached. 

My attorney did NOT verify this, either. 

Finally, I have never provided written instructions or consent for this very personal matter to be shared on my consumer report. I am aware that the FCRA says a credit reporting agency must remove inaccurate or unverified information. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

In closing, please DELETE this item from my credit report. The XXXX, XXXX, and E-oscar do not qualify as as a recognized source of validation, either. 

Please send me an updated copy of my consumer credit report once the bankruptcy is deleted. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed, which I believe to be inaccurate.My account with XXXX XXXX XXXX XXXX was never late.I have proof from the XXXX credit bureau also. 
Below are the details of the disputed late payment entry : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX The exclusion clause from the Fair Credit Reporting Act ( FCRA ) regarding " consumer reports '' reads : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Consideration of consumer information. In conducting any reinvestigation under paragraph with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph with respect to such disputed information. 
Treatment of Inaccurate or Unverifiable Information In general. If, after any reinvestigation under paragraph 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 be promptly deleted that item of information from the file of the consumer, or modify that item of infomation, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the infomation has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

I made charges to a repair shop on my citi bank card for {$8500.00} in total to repair 2 leaks on my XXXX. The repair shop returned the machine with the same 2 leaks and damaged other parts. I disputed the charges, sent emails, images, and other info to citi bank but they did not reverse the charge. Citibank always seems to take the side of the vendor.
Product: Money transfer, virtual currency, or money service

After speaking with a representative from Chase Sapphire regarding his credit mistake on my credit card account, I followed his plan to arrange a wire transfer in order to offset his mistake. It turned out to be a scam. CHASE now denies any responsibility.
Product: Debt collection

Received a letter today XXXX XX/XX/XXXX that Cause number XXXX Velocity Investment LLC XXXX XXXX XXXX I am being summoned to appear on XX/XX/XXXX because I am being sued by the debt collector company Velocity Investment LLC
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within 24 hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FRCA ), 15 U S C 1681i, which mandates a reasonable investigation
Product: Mortgage

I had placed a previous complaint to LoanCare LLC though this portal. - XXXX Their reply stated that if sent the payments to their office <PDF file> they could process the payment correctly. Additionally, XXXX XXXX indicated they could not process payment correctly unless there are instructions from the bank. As I stated before, sending instructions via EFT process is not possible per the three different banks I called. I changed the name of the biller company, the account number and mailing address to all indicate ifs a regular payment or payment to principal <Word attachment> Per LoanCare response from XXXX XXXX, the mailing address was changed.
Product: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and XXXX CFR Part XXXX Regulation V, I request that you provide me with physical evidence. 

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

Good afternoon. I am filing a complaint, against Experian. I have 7 Inquirys that are still being reported every Month. these Inquires are causing me to get declined for credit. they are not attached to any Accounts. Its very stressful for me, due to my Health. I work hard and I rely on Credit to help me get through my Struggle. if something can be resolved It will help out alot. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX Kikoff Lending LLC # XXXX Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FU
RNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
Product: Debt collection

On XX/XX/XXXX I received a piece of mail from XXXX XXXX XXXX on behalf of midland credit. In the letter it states it was an attempt to collect a debt for a very old XXXX XXXX account from XXXX. 

The statute of limitations have already passed for this debt yet they are attempting to sue me. I did reach out to the law firm to rectify the situation without any resolution.