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

PayPal close my account for not reason and them will not help me with Getting it back up and going. They locked me just because I put my money into my account. I am assume that i respect all agreement of this company. 
But PayPal just made all difficult for me. They ask me for my personal information and i sent to PayPal but they never respond and took my calls. I never had any Dispute or charge back in my account and All my transaction was clear. 
PayPal should provide a good services but they are SCAMER NOW.

I think this Company stole my money violates its terms and conditions in the service agreement and acts to the detriment of users. i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make the company grow with the Money that they stole. 

This is my email> XXXX PAYPAL SCAMER, PAYPAL SCAMER STOLE MONEY AND DO NOT RESPECT THE PEOPLE. CLOSE PAYPAL. 
HELP ME TO GET MY MONEY BACK.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am filing this complaint because I have NO SIGNED CONTRACT with this company! This is identity theft! This is a formal cease and desist notice regarding all media activities, as well as future collections attempts. It has come to my attention that your company is engaging in identity theft and is attempting to cause financial and emotional harm to me. Additionally, I believe this company obtained my personal information, including ( my name, address, Social Security number which I dont have as a National ) through unlawful means, as I have never provided them with my information or consented to any interaction or transaction.In addition theyre reporting to my credit but dont name a creditor! And they have never contacted me or informed me of them having my information. I do not have a contract or authorized signature with JEFFERSON CAPITAL SYSTEMS , LLC and any further pursuit of this matter will result in a fine of {$10000.00}, in addition to a {$500000.00} fee for the unauthorized use of my intellectual property. Your actions appear to be in violation of public laws and are an attempt to gain through frivolous claims under the color of law. Below are all the laws theyre in violation of : The FCRA ( 15 U.S.C. 1681 et seq. ), U.S.C. 1692 et seq. ), GLBA ( 15 U.S.C. 6801 et seq. ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Please consider this notice as a formal request to cease all related activities immediately. **Cease and Desist JEFFERSON CAPITAL SYSTEMS
Product: Credit card or prepaid card

I applied for a credit card account on XX/XX/2021 and was approved for {$2000.00}, since then I have received this card physical card but the card is Restricted from use upon documents being sent for identity verification..all subsequent documents was submitted, its been since XXXX and this account is still restricted with answers and it is now XXXX, this is now considered discrimination. 
Capital One has pulled a hard inquiry from my credit file and I have incurred a loss to my credit points in the process, my application was approved and has not been activated since.

Under ( CFR 1002.2c ADVERSE ACTION ) Pursuant to 15 USC 1691 ( SCOPE OF PROHIBITION ) I was denied even though I have the capacity to contract, Also under 15 USC 1602 I am aware of my status as a Consumer to have my rights upheld, CAPITAL ONE claims the reason that they have not activated this account is its still under review after I have been approved and sent a physical card.

Pursuant to 15 USC 1681m I have the right to make such written request at the time such adverse action Is communicated to me, Under CFR 1002.2 ( c ) states ( I f the applicant applied in accordance with the Creditors procedures, a refusal to extend the term of a business or other loan is adverse action, CAPITAL ONE is legally liable under these provisions and may be held responsible, I hope to resolve this matter before any further action has to be taken in the form of complaints To the parties that govern.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. Please
Product: Debt collection

I received written notice from a company, Cedars Business Services, attempting debt collection for my deceased parents from a health services company, XXXX XXXX XXXX XXXX, they never incurred debt with. I reached out to the company attempting to collect and advised there was no such debt and I suspected this was a fraudulent attempt to collect money. I asked for information on the company claiming the debt was owed and advised my parents were deceased. The company representatives were unwilling to share information with me. My father was recently deceased, and my mother was mentioned in his obituary. I am concerned this was fraudulent attempt to collect a debt not owed.
Product: Mortgage

Our mortgage is held by Nationstar Mortgage. We went into XXXX XXXX bankruptcy in XXXX XXXX. One of the conditions for our successful discharge in XXXX XXXX is that creditors must report to the bankruptcy court that we had fulfilled all our obligations in a timely manner. Nationstar reported that we had done so. 

However, now Nationstar is stating we are in default on mortgage. They have " suspended '' our payments because of {$170.00} in fees that are past due. We have had XXXX different conversations with XXXX different representatives, even though we ask to speak to the person we spoke to the previous discussion. We have now had XXXX different explanations as to the source of the fees and charges and NONE of them are ever the same. We also receive verbal assurance that the " fees '' are in error and that the customer service representative we were speaking to at that time had removed the " fees '' and corrected our loan status. However the phone calls and emails have continued, stating we are in default. 

We have not received a monthly statement in years so when our case was discharged all of a sudden we start getting default notices etc., for these fees that were never disclosed. 

It turns out that a number of these " fees '' were are supposedly connected with the bankruptcy filing. They have been sitting there for years. If these fees were part of or as a result of the bankruptcy, they should have been declared to the court. If they were after the filing, they should have been communicated to our lawyer and to the bankruptcy court as unfilled obligations before discharge. 
We have documented names, dates, call transaction numbers and other details. 

We have acquaintances ( names on request ) that also have Nationstar as their mortgage holder. They claim their accounts are mishandled in the very same way.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX  trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A account/ loan was opened using my personal information and I have no records of this transaction the company is Moneylion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My HELOC balance, $ XXXX is the result of a construction of a bathroom going bad. I do have a judgment from a California court, but the contractor is not paying and dragging us for past 8 years. I have my mortgage with XXXX and I did have my HELOC with XXXX too, but US Bank lured me their program which I did. I am a XXXX year old single mother with a rare XXXX XXXX  frequently under XXXX ( just finished a XXXX XXXX sessions ). I am also the sole caregiver for my XXXX year old parents. I also have a son on XXXX XXXX ( XXXX XXXX ). My XXXX tax return is $ XXXX, which is under poverty line. My HELOC interest rate right now is 3.99 % which is {$750.00} p/m just for interest. It is going to mature in a few months, meaning interest + principle which I can not pay during my hardship. I started the process last year ( XXXX ) with US Bank . They have requested so many documents which I provided. My file is with their Loss Mitigation Dept.! There has been at least 5 Relationship manager for my case! They keep denying me even though my  first mortgage with XXXX is re-structured by HAMP. I am trying to create more income, so I have rented two rooms in my house, I even provided my Food Stamp ). They keep rejecting me and suggesting to submit the hardship package again ( 3 times of submitting the package so far! ). Other banks have programs for their HELOC, not US Bank. I have lived in this house for 21 years and I have no intention of getting out of my house. Please help me during this hard times for me and my family ASAP, before the re-structuring starts, because at that time I can not afford to pay the monthly installments. consequently, I will lose my home. Please help me.
Product: Credit reporting or other personal consumer reports

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 RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Please note, this is not a duplicate complaint, this complaint is due to Transunion keep refusing to investigate into existing problem and keep reporting incorrect account on my report. 
I am not using any third party for this matter and I have a rights that investigate to be done. Credit reporting laws assures that buraus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything reporting on my credit report is correct. 
Please provide me with the following items : Pay of discloser Date of open an account Interest rate Disclosure Balance history Payment history from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and from XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Validate Account XXXX XXXX XXXX I respectfully ask you guys to provide some kind of proof of this is alleged item, specifically the contract, code, or other information bearing my signature. 
Additionally, please provide the name, address, and the telephone number of credit grantor or other subscriber. 
I also aware that under federal law, you have ( 30 ) days to complete your re-investigation. Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, so be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
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  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: Student loan

Applied for forgiveness with 2 different jobs. One job sent a physical signature in the month of XXXX XXXX in first contact with customer service they claimed the mail was not received. In second attempt I requested an email be sent to me a physical copy was still mailed. In correspondence with customer service the second time this person said once they received the mail the case with be reopened. Still no response though letter was sent in XX/XX/year>. Second job I sent my signature via email in sept/oct XXXX after XXXX months received notification today that the method I sent the signature in pdf format. Still took unnecessarily to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}
Product: Checking or savings account

I bank with both Sofi Bank and XXXX XXXX SoFi is my primary bank as I only use XXXX XXXX for its physical access. I cashed a check at XXXX XXXX around the last week of XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I transferred {$3400.00} of the {$3500.00} in my XXXX XXXX account to SoFi through the Sofi app. My accounts are linked for easy transfers. On XX/XX/XXXX, Sofi released {$2000.00} of the funds into my account and said {$1400.00} was pending. I transferred the {$2000.00} into my Savings account with Sofi. On XX/XX/XXXX, Sofi froze my account and reversed the transfer between my XXXX XXXX and Sofi. They said it was fraudulent activity. It put my checking into a negative balance, but given I have {$10000.00} in a savings account with them they transferred the money to offset the negative. My account is still frozen a week later. They will not allow me access to my account numbers or routing number. My plan was to try to make the transfer through the XXXX XXXX app, but they won't even allow me this. The app told me a number to call to remedy the situation. I called on XX/XX/XXXX. It was the worst customer service or experience I have ever had with a company let alone with a company that has all my money. They said my account will remain frozen for an unknown time period and they can not provide any hypothetical time frames. They said there was nothing more that could be done or anyone else to contact regarding it. They refused to give me my account numbers over the phone. They are denying me access to all my money, even my direct deposit from my job. I even tried to transfer {$100.00} from XXXX to see if that would help get the account unfrozen to no avail. This feels criminal to offer no solution or access to someone's FDIC insured money.
Product: Checking or savings account

I have an account with Wells Fargo, I got money on  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  , when I saw my account on  XXXX / XXXX /  XXXX   I had not money on my account!, I made a report to Wells Farg o ( t hey took {$300.00} ), f that were disappear from my count, they said I got the money on  XXXX / XXXX /  XXXX   and after it they said a different date they said  XXXX / XXXX /  XXXX  , but I did n't do this transaction!!, Wells Fargo took {$300.00} dollars from my account!! I was saving this money for my  XXXX  mortgage payment!, they still telling me I made the transaction. but I did n't do that, I want to make a complain because they stole money and does n't wants to be responsible by they actions.
Product: Debt collection

In XX/XX/year> I submitted a dispute ticket case # XXXX. The case was resolved. However, I received a 1099-C cancellation of XXXX from XXXX XXXX for {$8400.00}. This is an error and the 1099C should be cancelled as the previous claim was resolved and the debt issue was resolved as the case/judgement was resolved as " paid in full '' The company would not be seeking payments, and my credit report was updated. I would assume that this last step was not resolved in their systems to prevent a XXXX from generating. I would like this resolved.
Product: Credit card or prepaid card

Hello, I opened up a new account with Chase with a 15 month no interest promo and balance transfer option. I tried to transfer {$4000.00} on the new card and the workflow of their online system didn't work correctly so I could see it was executed. I called them up to verify and they had no record of the transfer. I had 2 open cc accounts and they failed to look at my other card for some reason. I received my credit card statement from the card I was making the transfer from today XX/XX/2019 and I had a {$3800.00} credit. 
I called Chase up and told them their online transfer system was not correctly working and they denied it. I told them that the their system auto defaulted to selecting the wrong card and didn't display any info regarding status or timelines. - it still doesn't reflect as of today. I paid off the card because I don't pay transfer fees. - This was my first one ever attempted. I closed both of my cards out with Chase today in principal for not waiving the fees. Please help me get my {$160.00} transfer fee back!