23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then  contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. 

The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. 

I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. 

The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. 

I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXX, around XXXX, I was at a Chase location to use their ATMs. I had done my business as usual, and this man came in and began to verbally threaten and intimidate my friend and I. I felt unsafe, scared and unsure of what to do, so I was coerced into withdrawing {$700.00} from my bank account, which included authorizing the transaction. I have no affiliation with this, and intentions of it, and believed I followed all the steps I should have. I immediately notified Chase, contacted the police, and continued to file a claim and work with Chase through every step of the process. My belief was that since this was captured on video, it would be possible for me to get my money back, but Chase has denied my claim and I don't know what to do. I have called Chase on XXXX XXXX to see if I could reopen my claim, but since this transaction was initiated by signing in with my XXXX XXXX, which at the time I believed would be safe since he can't see my card details, it would be impossible for it not to be me. I understand that on paper it was authorized, but when there are no security guards, and a man is inches away from me threatening me as an underage woman, it's hard to exercise free will in that moment. I sincerely hope the security cameras are reviewed and this case is taken with more care.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account. I firmly believe that this limitation was a result of a mistake, as I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any PayPal policy, knowingly or unknowingly. I have been a loyal and responsible PayPal user for a significant period of time, and I have always conducted my transactions in a transparent and ethical manner. I have never engaged in any fraudulent activities or any actions that could be considered a breach of PayPal 's terms of service. 

Given the circumstances, I kindly request PayPal to thoroughly re-investigate my case and consider restoring my account, if deemed appropriate. I genuinely believe that this limitation was imposed on my account by error, and I trust that a closer examination of my account activity will affirm my innocence. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could keep me updated on the progress of this re-investigation and provide me with any relevant information or documentation that may assist in resolving this matter. 

I sincerely hope that PayPal will recognize the misunderstanding that led to this limitation and take the necessary steps to rectify the situation promptly. Restoring my account would not only reinstate my faith in PayPal as a reliable platform but also allow me to resume my normal financial activities without any further disruption. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings against them for similar violations. 

I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. This is in relation to XXXX XXXX
Product: Vehicle loan or lease

On or around XX/XX/2020 I applied with XXXX to value my XXXX  for trade. I was steered toward Carvana, who was happy to accept my trade in, but neglected to process my purchase vehicle application. I applied for trade/buy. However, after I made arrangements to sell my vehicle, they decided to then qualify my for a used car purchase loan. The terms included {$6000.00} down for a {$13000.00} vehicle and an A.P.R. of 24 %. I seems that I was a victim of unfair business practices. It seems they engage in these tactics to keep certain applicants from qualifying for a vehicle. In addition to the {$1400.00} to payoff my truck loan, they now want {$6000.00} down to purchase a car.
Product: Checking or savings account

On XX/XX/XXXX my account with PayPal was perminantley limited resulting in XXXX being held for 180 days. however that money is for my daughters medical treatment and need it released ASAP because this can result in my daughter loosing her life. I have tried asking if they will just let me withdraw my funds and they won't even allow that. Please help me.
Product: Credit card

I am disputing the collection account with SOURCE RECEIVABLES MNG account XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SOURCE RECEIVABLES MNG provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Please the inquires down below should not be on my credit report, thank you! 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to point out every complaint I have done with Equifax they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Equifax can not prove that it did.
Product: Mortgage

I was in the process of obtaining a home at Regions Mortgage in XXXX XXXX, FL and met with the loan officer and discussed the terms of the loan and process. The only thing I was beyond bothered by is that they are n't a paperless enviroment and noticed while waiting that every document is in a folder and was able to notice that the cabinets were n't locked and had all my information out there. I 've asked the loan officer about this and he told me Regions is n't a paperless enviroment once loan is created XXXX folders are created XXXX for loan officer and office to reain, XXXX for processor and another for underwriter, if in that sales office they did n't have the information locked I begin to wonder how confidential my information really is if it goes to XXXX other people and locations.
Product: Checking or savings account

Due to various reasons USAA closed my accounts. At present there is XXXX in my closed account. 
I have sent several request for the release of my funds which is now in its XXXX day. 
Unfortunately not having access to these monies gas resulted in several bills not be able to be paid. For instance mortgage payment, auto insurance ( which ha now been closed ) and utilities soon to be a problem to mention a few. 
Can you do something to speed this process up?
Product: Checking or savings account

I was Racially profiled by Bank of America and they closed my account. I deposited a check into my bank of america bank account on XX/XX/2022 via the ATM the amount of the check was XXXX after placing several holds on the XXXX Bank of America closed my account citing that the Check was Counterfeit after several attempts to resolve the issue with bank XXXX by going into the branch and presented Check Stub and XXXX form Bank of America still insisted that the Check was Fraudulent and closed my account. Which inccured injury to me because my insurance, Car payment and bills were do to come out of that account and Also a XXXX check of {$700.00} for XXXX XXXX was also suppose to go into that account. Because the Check was Valid there is no other reason for them to not clear the check and close my account other than the fact that I'm a XXXX XXXX
Product: Checking or savings account

Beginning of XXXX I was a victim of card theft the perpetrator withdrew money money from my account at a atm. Chime denied my dispute 5 times even after I provide documents that they ask for. They did no investigation denied my dispute within 6 days. I asked for video footage which could possibly help identify the person seeing my card was stolen at a establishment. Chime employee made bias statements. And it seems they dont even do there job just deny me. I submitted a police report and a written statement to chime. They also never send me anything of why my claim was denied which was requested several times.they denied my claim 5 times.
Product: Payday loan, title loan, or personal loan

I am writing in complaint of the newly adopted discriminatory practices of XXXX XXXX XXXX and Citigroup against companies and individuals who are simply following the law and are interested in practicing their legal rights to items not restricted by state or federal government. Their new measures block and individual from purchasing guns without a background check or who are younger than XXXX. It also bars the sale of bump stocks and high-capacity magazines. It would apply to clients who offer credit cards backed by Citigroup or borrow money, use banking services or raise capital through the company. 

It is not the place for a bank or any company to create legislation or laws outside of the normal process of elected government. The consumers who use banking and credit services have no elected representation within XXXX XXXX XXXX or Citigroup so they have no recourse to prevent their freedoms and rights from being violated by private companies. These banks are effectively creating the same effect as a government creating a law, but it is being done without the normal representation and protection every American has under government. Blocking commerce is effectively destroying liberty. When s Bank is as big as these two banks and they decide to make it impossible to purchase legal items, not only do they destroy the freedom and liberty of individuals through the blocking of their ability to own products, but they immediately destroy private companies who are merely trying to practice their dream of building a legal business.

Should the United States take action to make the legal age to purchase a gun to be XXXX, then that will be the law of the land and Americans that disagree will have the powers granted to us under the courts to pursue correction, however we do not have such protection when a bank blocks commerce and blocks Americans from purchasing a legal item. 

How would it be any different if XXXX  or Citigroup opted to block the sale of Bibles or any materials that say XXXX is a sin? Where the bank might disagree, the 1st amendment is a protection of free speech, but if a bank feels the 1st amendment should not allow specific speech, they could powerfully destroy that liberty by making sure no American could purchase anything that supported beliefs the banks do not believe in.

I urge you to take these complaints seriously. If not blocked, these two banks and possibly others will be emboldened to pursue addition social change through their lending actions. This is a threat to our constitution and our very way of life that should scare and concern every American regardless of their personal beliefs.
Product: Credit reporting or other personal consumer reports

There are inconsistencies and inaccuracies in the reporting of the XXXX account ( number XXXX ) on my credit reports regarding closed date, last payment date, and last updated date. 

XXXX has this account closed on XX/XX/XXXX. 
XXXX has this account closed on no data. 
Experian has this account closed in XX/XX/XXXX. 

XXXX has the last payment as XX/XX/XXXX XXXX has the last payment as XX/XX/XXXX Experian has the last payment as XX/XX/XXXX XXXX claims that this account was last reporting on XX/XX/XXXX XXXX claims that this account was lasted reporting on XX/XX/XXXX Experian claims this account was last reporting on XX/XX/XXXX Proof attached. 

All three of these agencies are allowing XXXX to re-age this closed/ written off / sold account. This is in violation of the FCRA. This account should be removed/ deleted from my credit file.
Product: Bank account or service

On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Notice of Civil Liability for Negligent Noncompliance 15 U.S.C. 1681o I am writing to formally dispute [ describe the issuee.g., an inaccurate item on your credit report, failure to respond to a dispute, improper disclosure, etc. ]. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) has caused harm, and I am asserting my rights under 15 U.S.C. 1681o regarding civil liability for negligent noncompliance.

According to 15 U.S.C. 1681o, any person or entity that negligently fails to comply with FCRA requirements is liable for : 1. Actual damages sustained as a result of the violation ; and 2. Attorneys fees and court costs, if legal action is required.

You have failed to comply with FCRA in the following ways : e.g., failure to correct an error, improper reporting, failure to investigate a dispute, etc. ] As a result of your negligent noncompliance, I have suffered damages, including [ list damages, such as financial losses, denied credit, emotional distress, etc. ]. 

To resolve this matter, I demand that you, correct an error, delete inaccurate information, provide an explanation, etc. ] within [ reasonable time frame, e.g., 15 days ]. Failure to comply will leave me no choice but to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to recover damages under 15 U.S.C. 1681o.

Please confirm in writing that you have taken the necessary corrective actions. I expect a response by [ specific date ]. If you need further clarification, you may contact me at the information provided above. 

Sincerely, XXXX XXXX This letter asserts your rights and puts the recipient on notice of their potential liability. Be sure to send it via certified mail with a return receipt for proof. Let me know if you need modifications!
Product: Money transfer, virtual currency, or money service

I requested a currency exchange with First Tech Federal Credit Union XX/XX/2023. They quoted me a value which I assumed to be reasonable ( {$200.00} USD for XXXX XXXX XXXX ), in addition to a exchange fee. I found out shortly after traveling the value they exchanged is roughly 30 % less than the current market exchange rate. Their exchange document which is unsigned, but has a clause which notes any differences in value will be kept, this was not mentioned when I completed the transaction. When requested to explain the discrepancy their response was : " Hello XXXX, just letting you know that our back office investigated it and saw no error with the exchange rate you were given for your currency exchange. The rates are provided to us every morning and they fluctuate daily, also the rate you find on XXXX is not true for all institutions. Individual institutions may have different exchange rates as well. Thank you for your patience with us and hope you have a happy holiday! '' This seems like theft?
Product: Mortgage

I have been working by phone with XXXX XXXX at loandepot.com to check rates and fees for a mortgage to refinance my home. In order to see the estimate, I was required to pay for a credit check for a charge of {$19.00} to a credit card. I used my debit card for the amount since I did not want a small charge on my credit card. XXXX assured me that the {$420.00} charge for an appraisal fee would not be charged until I spoke with him again, but he had me click on several places in their website to agree to continue with each step. I gave him my debit card number to pay the {$19.00} on XX/XX/XXXX and received an email receipt for that amount. On XX/XX/XXXX, without any further conversation, my debit card was charged {$420.00} as per " my agreement with XXXX XXXX '' as my intent to proceed.
Product: Prepaid card

My name is XXXX XXXX I here to complain against Comdata cardholder so here is the reason am filling a complaint against Comdata am a Comdata cardholder payroll so I claimed a dispute twice first they never listen it was early XXXX and second time it was the end of XXXX which I claimed a dispute transaction so then XXXX XXXX I have received an email from Comdata dispute team said they starting investigation which was late to and today Monday XX/XX/XXXX i tried to follow any updates and met bad update decision denied so it was clear for me the dispute team they never tried investigation and i didn't get help and the transaction made by XXXX XXXX with me knowing so it was unauthorized transactions it was a lot of money i need help to get my money thanks.
Product: Money transfer, virtual currency, or money service

I tried making a Gemini account, but I need a verified account in Gemini for crypto deposits and withdrawals from XXXX browser, but its been 2 months and my account still didn't get verified I have already shown much of my patience and not willing to wait further, so please help me get my gemini account verified as soon as possible