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

I had opened a security deposit box in XXXX, with TD bank, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Ph No XXXX. I primarily used this security box to store inherited jewelry, gold coins etc. 
On XXXX XX/XX/XXXX afternoon, I went to this branch to close the security box as I was able to secure the security box in XXXX XXXX on XXXX XXXX closer to my residence. I brought in both keys to the security box. The bank official informed me that the security box has been already closed off and there was nothing in that security box. This was a shock to me as I had both the keys with me and both keys are still in my possession. I never went to bank to close the security deposit box. 
I left for XXXX as per my plans. I communicated with the manager XXXX XXXX via emails and demanded what had happened? I am enclosing the copies of email communication with this complaint. 
I found out that : 1. Somebody tried to get in to the security box on XX/XX/XXXX. The information on the entry card was scratched off. 
2. The security deposit box was empty, the inner box wasn't there. 
3. I was informed that with the consent of the bank manager, this security box was closed. 
which is the most absurd and bizarre. No one can close my security box without my permission. 
4. I found out that the person who closed off the security box was no more working there and they can't find him I tried my level best to get some answers from the bank official. My attorney wrote the bank official letters to get resolution. I couldn't get any help, so I filed criminal report against the bank with police. 
I am attaching all the documents in this complaint. If you need any other information, I would be happy to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been incorrectly reporting my HELOC account as " 90-120 days late '' to the credit bureaus. My account has never been late. It is an accounting/ computer error that occurred when they merged with XXXX and XXXX XXXX XXXX XXXX XXXX Although they have acknowledged their error ( they even put it in writing in a letter and email ), they have failed to fix the error with the credit bureaus. 

Due to this error, XXXX began foreclosure proceedings on my home because their records are showing a late status. Again, my payments are all on time. I have been working for several months with them to get this corrected. Even when they eventually temporarily fixed the account status, they once again reported incorrectly. This has resulted in my credit score dropping XXXX points and barring me from using my credit as this drags on. Despite many promises by XXXX to fix this, it never actually gets fixed permanently. I am in desperate need for XXXX to be legally forced to correct this as reporting false debt is illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX  account numbers : XXXX ; XXXX : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 wanted to order some books for {$9.00} XXXX due to my XXXX and being on a fixed income in unable to pay until the XXXX of the month. So I chose the option to pay later and never heard anything elelse.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I downloaded the money Mart app which is owned by money Mart and the check cashing store. I downloaded this app onto my phone. I followed the steps and registered as I have never registered or used this check cashing companies app before. The app asked me to provide a debit card or bank account that it could send My payment once this check was cashed. I chose a debit card that is supported and was accepted and approved by the money Mart. You have two options you can add a debit card or you could add your bank routing and account number I did not and have not provided any banking account or routing number for payment. After taking about 3 hours because there was issues with this app it's all the steps took the photos sign the check that everything I was supposed to finally the check was approved in the company said that they cashed the check and sent the payment to the checking account on file. Which is first I thought was odd because I never added a checking account just a debit card. This company sent my money to an account that was not mine. I tried contacting their customer service and every time you would get through the reception was so bad on their ends it seemed like they honestly purposely had loud sounding things like traffic horns honking the sound sounded like it was in a complete loop honestly could tell it was fake. I got a hold of this company 's escalation department and was told I'd be transferred here and there every time they would transfer me the phone call with drop or they would just hang up. I cashed a check for {$360.00} I believe this company stole My money and keep giving me bull XXXX excuses and the runaround about giving me my money back. I've never dealt with such a shady company but I still do not have my money I'm going to file complaint after complain after complaint somewhere until this company gives me my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  as recorded on tape and shown by the multiple deletions on my credit report admitted that they were reporting false balances on my credit report in ( error ), they said they would credit the account, they have not. They closed but have not yet credited the false balance, which is again damaging my credit score. XXXX has already admitted error.
Product: Checking or savings account

My daughter and I opened a account # XXXX with Citibank in XXXX California in XX/XX/year>. I deposited a check from my XXXX in the amount of {$10000.00} to start the account in person at the bank. Within days we received an email that the account had been closed with no warning. They said it was due to some kind of fraud prevention? We called and basically were told there was nothing we could do. The XXXX check cleared and so I have been paying on a loan from my XXXX that I never actually received. We called again and were told again nothing could be doen and that after 3 months we would get a letter! It has been 6 months and we haven't received anything and they took my money! They have not even tried to give me my money back. This is theft!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX have violated my rights. 

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

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I like to claim the amount of total XXXX synchronize bank
Product: Checking or savings account

I received a letter from Paypal today stating : We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your use of the PayPal products. 

As a result, your account has been permanently limited, with no further ability to send or receive funds. 

The PayPal User Agreement states that PayPal reserves the right to limit an account for any violation of the PayPal User Agreement, including the Acceptable Use Policy. 
-- - I have reviewed the acceptable use policy and I see no obvious violations : You may not use the PayPal service for activities that : 1. violate any law, statute, ordinance or regulation.

2. relate to transactions involving ( a ) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, ( b ) drug paraphernalia, ( c ) cigarettes, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain sexually oriented materials or services, ( j ) ammunition, firearms, or certain firearm parts or accessories, or ( k ) certain weapons or knives regulated under applicable law.

3. relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( g ) involve currency exchanges or check cashing businesses, ( h ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( i ) involve offering or receiving payments for the purpose of bribery or corruption.

4. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.

I had provided some receipts, documents and answered Paypal 's questions ~3-4 weeks ago which where approved. I have a number of monthly subscriptions that get paid from Paypal and I have a number of websites pay me via Paypal, so I'm quite disappointed to lose this service.

I would like an explanation of which prohibited activity I violated. I am also still interested in having my account restored. I've been a paypal customer for years and I'd hate to see this long term relationship end so suddenly.
Product: Credit card

I paid off my balance on my XXXX XXXX credit card in XXXX. Then closed the account. XXXX months later ( XXXX ) i am still getting charges. I called them and they said they would fix it andi wouldnt get any more charges. Another 3 months ( currently XXXX ) and i am still getting charges and they are messing up my credit. They will not fix their mess up. I have called XXXX times in the past week. I have spoke with the rep, their supervisor and the supervisors supervisor and no one can fix the problem.
Product: Money transfers

1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.
Product: Bank account or service

Bank of the West,  Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d  XXXX  for the partial year (  XXXX  ) of   XXXX  . They continued as  XXXX  during this period, administering the investments of the  Trust,  and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's )   answer to the Co-Trustee 's inquiry regarding this essential tax document (  XXXX  ) was : " You are no longer our customer. We do n't have to provide the  XXXX  for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out  of the Trust  from   XXXX   XXXX     through   XXXX   XXXX   XXXX    , expecting the beneficiaries to condense this information into a  XXXX  seems a bit like a vindictive act. The Bank 's ability to render this information into a proper  XXXX  would likely be done via computer, and might take all of  XXXX  minutes.   The former  XXXX   XXXX ,  XXXX   XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile.  One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the  Tr  ust from  this Bank. This request was granted via an   XXXX   XXXX   in   XXXX  , which is why Bank of the West is no longer  Co-Trustee.
Product: Credit reporting or other personal consumer reports

The vehicle was purchased fraudulently through Identity theft, the information on the bill of sale is not my information such as the email address as well as the contact information. My information was leak in the data breach for Experian and XXXX.
Product: Consumer Loan

I took out XXXX loans with big picture loans XXXX is finally paid off the other I am still paying. I needed money to fix my brakes on my car.i borrowed {$200.00} and I have given them {$500.00} so far but the loan is not paid off I ca n't afford to pay them anymore money matters a little. I asked if I could skip next months payment of {$150.00}. Which they let postpone until next month. I think what they are charging is too much. Is there some way to stop paying them anymore. {$500.00} for a {$200.00} loan is a good investment.
Product: Student loan

I am a XXXX XXXX and applied for XXXX  Loan Forgiveness. My first application was declined for unknown reasons. The next month, the payments with current loan jumped from $ XXXX/month to $ XXXX/month. The same time, Navient offers me a loan refi to bring my payments back down to {$200.00}. While waiting for my second application for XXXX forgiveness to answer, I refinance to keep payments low. Unknowingly, the refi goes through but I find out later it's a private loan and not qualified for the XXXX Forgiveness. I was unaware that the forgiveness would not apply. It is suspicious that as soon as I applied, my payments jumped and they happen to offer a refi. I called to have refi turned around, they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my account with XXXX XXXX was sent to collections, I was able to pay them the past due balance of {$61.00} directly instead of the collection agency. I was assured by two representatives that XXXX would contact Credit Collections Services to have it removed from my credit report since it was settled through them. I received an alert that it was marked as closed on my credit report instead of being removed. I immediately contacted Credit Collections Services and was told they don't remove cable collections. XXXX XXXX said they'd have the collection agency remove it according to the transcript attached since it was paid to XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/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
Product: Mortgage

Our home was severely damaged during hurricane Florence. Our flood insurance went into effect and we received the insurance check for {$86000.00}. The check was issued to us and DITECH. We endorsed the check and mailed it to Ditech as requested by Ditech. Ditech received the money on XX/XX/2018. All paperwork has been submitted to Ditech that was required of us as homeowners. Per Ditech, the check has been issued and is to be sent to use for need repairs. We have yet to receive the check at this time after several time frames and delays have been stated by ditech. Our XXXX has started good faith repairs and has since had to reschedule do to the hardship of lack of payment. My family and myself are currently residing in a camper as our home is unfit for habitation, these delays have been truly inconvenient and unnecessary. Such delays have increased the exposure time of our home to hazards ie mold and mildew, increaseing further repairs and damages. Ditechs lack of communication and release of funds provided by our insurance company, has cause increased time frame for completion of repairs and possible loss of acquired XXXX. 
Any assistance that can be rendered for this current situation would be helpful, we do not know what other routes to take to return to our home.