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

I've been working with Paypal for close to a decade. On XX/XX/19 They permanently suspended my account for a violation of an undocumented rule in their " Acceptable use policy ''. 

Part of the suspension is a freeze on my cash reserves they hold, this includes USD {$230.00} XXXX {$4000.00} XXXX Their reasoning for holding the cash is that If I have any cases through paypal they can use the held cash to pay for them. ( This is a poor reason because they have admitted that I rarely have cases and I already have two means for them to charge me my credit card and checking account are registered in their system for this purpose ).

They have admitted to storing my money in an interest accruing account during this 180 day process but say they will refuse to pay me any interest on it.

They also have told me when the 180 days are up I will be forced to sell them all my XXXX and XXXX at the value on that day with whatever fees they wish to apply. I can not see how this is legal? I have had that XXXX stored in my account for years. And now that the XXXX has dropped significantly in value i will be forced to sell it at a loss? Does Paypal have the legal ability to work as a brokerage in this way? I want to receive my XXXX and XXXX as they are without being forced to sell them.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

When I called about debt they say Im deceased nothing gets done I went to get paper work social security office prove Im alive Im gone file law suit if they dont remove. They didnt repot deceased to agency.
Product: Debt collection

a company called Spring Oak Cap ( capital ) representing with XXXXXXXX XXXX is, state the same derogatory collections account on my credit report from XXXXXXXX XXXX is posting information on my credit and public information that I do not own or have had dealing with. 

XXXXXXXX XXXX XXXX, This account says it was started in XXXX and last active in XX/XX/XXXX. 

I have not had dealings with a company called XXXXXXXX XXXX. This company was also again found under another company claiming they represent them and saying similiar open account dates.
Product: Debt collection

Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay removed.
Product: Checking or savings account

I incurred 2 overdraft fees on XXXXXX/XX/XXXX as a result of my 2 student loans being debited from my account 8 days earlier than usual ( {$360.00} + {$640.00} ). It put my account in the negative, and when I charged an {$8.00} cab ride on the card again not knowing my account was in the negative I incurred an additional {$38.00} fee that same day. A total of 3 fees on the XX/XX/XXXX for a total of {$110.00}. 

I live in XXXX  XXXX XXXX, and have a Comerica account in Michigan  because of a client I have in Michigan   deposits checks into my account once a month. There are no Comerica bank branches in XXXX  XXXX  XXXX, therefore I can't get my account into the positive unless I either transferred money or I flew to Michigan  to make the deposit. Transferring the money would take usually at least 2 business days ( usually 3 or 4 ), and as a result I would continue to incur overdraft fees. My account was a - {$73.00}, so waiving 2 of the 3 overdraft fees would put me in the positive and would stop the process of additional overdraft fees being charged to the account. I called customer support on the XX/XX/XXXX hoping they would work with me in order for my account not to keeping incurring overdraft fees, and was told there was nothing they could do. In addition they suggested my only option was to speak with the bank manager where the account was opened and it would be up to their discretion to waive the fees. 

The person on the phone also notified me that I've had overdraft fees waived in the past before, so it's very likely that the manager would not waive these fees. This left me with no other option, than to either continue incurring the fees until I was able to transfer money into the account or fly to Michigan to make the deposit. When I called the bank to speak with the manager, the manager refused to waive the fees and was not willing to work with me. I felt absolutely helpless, and the manager and customer service continued to reiterate that there is nothing they could do for me. 

While I understand the fees where incurred as a result of transactions I allowed, I did not expect the bank to refuse to work with me on this case. In addition, knowing that I would continue to incur overdraft fees for a least 2 business days which would continue to drive my account into the negative, was a viscous and unfair decision by the bank representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer submitted dispute more than 60 days ago. I Also sent several certified documents still havent received a return receipt nor a reply by mail for a dispute. Ive contacted Equifax more than 10 times through phone to let them know of the violations that has been committed due to the false information account of XXXX XXXX XXXX XXXX. I have no affiliations with this company that is listed on my credit report and I demand that it is permanently removed due to the fact that it is false information and incorrect. As an XXXX citizen credit is something that is important and I have been discriminated by jobs, apartments, and a vehicle. I was fired by my job due to this false account being on my credit report. This has cause me so much XXXX  and XXXX problems where I am now on XXXX and I am attaching an invoice of payment for the damage that was caused by Equifax listing incorrect and false information on my consumer report. Here are the violations. For the sake of juridical purpose, I am willing to settle this matter out of court if you are willing to comply and fulfill the demands I am asking of you. Please read this portion carefully. I am only allowing no more than 72 hours 3 calendar days for this matter to be resolved or I will be leaning towards litigation. 
Pursuant 15 USC 1611 Pursuant 15 USC 1611 ( 3 ) Pursuant 15 USC 1681 ( a ) ( 3 ) Pursuant 15 USC 1692 ( e ) ( 3 ) Pursuant 15 USC 1692 ( k ) ( 2 )
Product: Debt collection

XXXX XXXX XXXX called my cell phone at XXXX this morning. They asked to speak with XXXX XXXX. I said this was she. She then asked to verify my mailing address. When I said I did not want to verify my personal information until I knew what the call was in regards to she said we are not a telemarketer and we are not trying to sell you anything. This is about personal information we will call back later and hung up. The call lasted 1 minute and 21seconds. 

I felt very uneasy since she would not tell me the purpose of the call and also did not leave me a toll free number to call back. I do not like the fact that someone has personal information about me and wo n't tell me what they need. 

I called them back at XXXX and asked to speak with a manager. I was transferred to a XXXX XXXX. I asked if she was a manger and she said she was. I asked her if she would please tell me what this call was in regards to as the last person hung up on me when I asked. She said it was a personal matter and she would n't tell me anymore. I asked her if it was her company 's policy to hang up on people when they asked for that information and to not give a toll free number out at the end of the call. She said they would not go round and round with me about this and that they would move on to the next call. I asked to not receive anymore calls and for the phone number to their headquarters. She gave me the corporate number and the CEO 's name. I told her it did n't matter what she called herself she was a telemarketer since she called me from an automated dialer. I told her that I knew there were laws about calling cell phones and about not stating the purpose for the call and she said my threats meant nothing to her and then she ended the call. The call lasted 4 minutes and 59 seconds.
Product: Credit card or prepaid card

My wife put me on her AMEX card and we'd been keeping up with payments. Yet theres been a stop on spending on purchases without proper research by AMEX on my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, Equifax, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX  BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX TRANSUNION AND XXXX ( XX/XX/XXXX ),
Product: Credit reporting, credit repair services, 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 the 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, 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
Product: Money transfer, virtual currency, or money service

I use XXXX for investing and saving for the future. I essentially use it as my savings account. I have had my PNC account linked with XXXX  for almost two years now. This has happened twice before, where PNC has not allowed me to link my account up with XXXX. I have called numerous times, and they give me some reason why it can not be done, and eventually goes back to normal a few days later? Well it has happened again, and I am not sure for what reason. I've heard the entire fraudulent activity script but come on now. I have been making money transfers to XXXX  for two years now. I am growing angry with having to repeat this process of being able to relink my account every year for an investment service I have used seamlessly and has not given me any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have attached my full complaint down below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

The company contacted me about a debt in the amount of XXXX which I do not have any knowledge of the debt from the company called source receivables management & would like for the debt to be removed from my credit asap.
Product: Money transfers

I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}
Product: Mortgage

My wife and I purchased a home and applied for a mortgage with Peoples United Bank. At the outset, I told them weIhad a long dated purchase contract which gave us 120 days to close and I did n't want to begin the loan application process immediately for I knew the rate lock would be an issue and that I intended to sell my current residence but wanted them to consider the new loan without requiring me to sell the existing home as a condition. I had ample assets to satisfy the loan application without selling my current home. 
Peoples immediately pulled a credit inquiry report in XXXX which I asked them not to do since I had n't wanted to start the loan process ( I was also travelling for work and out of the XXXX for a month ). As 30 days expired from when the credit inquiry was pulled, I then commenced the process and they pulled a second credit inquiry report. When they finally issued a commitment it required me to sell home and given the market conditions I was unable to do this. Then the loan officer suggested I take out a home equity loan which I applied for with the understanding I needed to have it closed by XXXX XXXX and yet another credit inquiry report was pulled. Peoples failed to deliver the commitment by the needed date and further knowing that my home was for sale required me to repay nearly {$5000.00} in costs if I sold the house within two years. They knew this made no economic sense yet ( and asked me to apply for the HELOC ) given the house was for sale. So not only did they fail to meet the XXXX XXXX timeframe they also offered me XXXX loan products which made no sense. And with XXXX credit inquiry reports my credit score was lowered by about XXXX points! It is the credit score reduction which i seek redress, I am XXXX XXXX XXXX and have paid every bill in my lifetime on time. I am proud of my strong credit history and want to be compensated or have the inquiries removed. Obviously they additionally failed to provide me with a mortgage product which I could use but I do n't believe I have a valid complaint for that as they are within their right to place conditions. Finally, it was never disclosed to me by Peoples United the negative impact to my credit score for the XXXX inquiries and this is fundamental to my complaint.
Product: Credit card or prepaid card

I have two credit cards ( CC ) with Bank of America ( BoA ) and opened a checking account with them in XX/XX/XXXX. BoA told me that the system created a new bill pay profile due to this new checking account opening and hence I was not able to see/cancel my old bill pay profile where I had two recurring payments. In fact, for weeks even BoA agents couldn't locate the recurring payments and kept hanging up on me. 

On XX/XX/XXXX XXXX supervisors ( XXXX ) were able to locate the old profile and after hours on the phone, they ensured that they cancelled the recurring payments ( {$50.00} on XXXX, {$6.00} on XXXX ). On XX/XX/XXXX, {$50.00} payment on XXXX did go through and my external XXXX XXXX account was charged. I was furious and called BoA. Another supervisor ( XXXX ID : XXXX ) ensured that he cancelled the payments now but again, failed to give me any written confirmation. I insisted on talking to another supervisor ( XXXX ID : XXXX ). After hours on the phone, he located my second profile and said that payments were not yet cancelled and that he cancelled it finally. But again, no written confirmation at that time. 

XXXX then promised to call me on XX/XX/XXXX, between XXXX - XXXX XXXX ET : 1. Ensuring recurring payments are cancelled.

2. Providing written confirmation.

3. A possible compensation for my time spent. 

He didn't call between the promised time and at XXXX XXXX  left a XXXX with no information on these 3 points. I called back within XXXX mins and talked with XXXX I. She said she gave the message to XXXX and he promised her that he will call me back the same day. XXXX never called back. 

On XX/XX/XXXX, I complained to XXXX XXXX XXXX and XXXX XXXX on behalf of BoA acknowledged their mistake of failed attempts to cancel my payment which resulted in hours and hours of mental agony for me. She however denied compensation for that in a letter on XX/XX/XXXX. 

If BoA does not provide a compensation of at least {$250.00} for the inconvenience, I will report these unfair practices to Federal Trade Commission and other relevant governmental/legal agencies like the Attorney General in the State of New Jersey XXXX I have recording of all phone calls with BoA which I will provide as evidence.
Product: Debt collection

ACCOUNT BALANCE {$2900.00} This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B to require the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, including inaccurate amounts and dates.