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

On XX/XX/year>, I received a notification from PayPal stating that my account had been permanently limited due to a violation of PayPals policies XXXX, specifically related to the sale or promotion of XXXX XXXX  devices or materials. However, I have never engaged in any such activity or sold any products related to this category. I have reviewed my account transactions and find no activity that would remotely fall under these accusations. 

Upon receiving the notification, I immediately attempted to resolve the issue by contacting them. Despite these efforts, I was informed that the limitation would be permanent, with no further clarification provided on the specific violation in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a marriage with a XXXX  for over 26 years I was broken and lost as to what to do. One night I gained the courage to leave and was taken in by family and still am in the process of healing. In order to begin my next steps I gained copies from all 3 credit bureau and was devastated to what was on it. I had checked my credit around XX/XX/XXXX and it was a XXXX. So when I got the most recent I cried and almost just gave up. But I couldn't do that not to myself or family. I called all 3 credit bureau and asked for incorrect information to be removed and gave all 3 new address and phone number. To my surprise I wasn't allowed to remove some of them because the credit bureau said they were tied to my name. There are 2 Social Security numbers on there. And a mans name!!!!! From there I just sat idle I started a business for myself and just continued to make ends meet because I spoke with my bank and was told with my score it would be near impossible. I did some research and decided to do what I could. I paid my XXXX  account in full and through XXXX XXXX was able to get a small line of credit through XXXX. On my credit report there is one collection agency that is adding fines, fees, something to its balance monthly. I have no idea who these accounts are. I would like to share XXXX XXXX XXXX there are 4 files they have added on my report. I am going to list them now same agency XXXX XXXX XXXX. 1 ) XXXX XXXX from XXXX XXXX XXXX one amount is XXXX the other is XXXX 2 ) XX/XX/XXXXXXXX XXXX XXXX XXXX one amount is XXXX one is XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX one amount is XXXX one is XXXX 4 ) XX/XX/XXXXXXXX XXXX XXXX XXXX one is XXXX one is XXXX. 
I have closed accounts from over 9 years ago on my report. And to date there are 25 hard inquiries. I am lost as to what to do so I begin here thank you for your time
Product: Bank account or service

PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.
Product: Debt collection

Capital One allowed someone to apply for a credit card in XXXX  that was not me I do not owe this debt and would like this information deleted and removed immediately
Product: Mortgage

I have a home loan with Bank of America, I fell behind originally due to natural disasters that hit every year before XXXX ( XXXX XXXX, XXXX, XXXX XXXX and I had a reduction in income. I applied for assistance with bank of america and went through multiple reviews trying to get assistance. They were saying they were " unable to verify my qualifying income '' which I never could get a good explanation since it was VA military XXXX and Social security which were verified with award letters and bank statements. For a time in XXXX I earned some self employment income of around {$2400.00} per month but lost it the same year. Bank of America made me file a tax return to document it so they could count it and I did and provided a copy to them but since the IRS was slow to process it when they did the 4506T transcript it did not show up yet. I escalated it then and it was supposed to be all cleared up. Since then I have not filed since my household income has been tax free from VA military XXXX and Social security. Then around XX/XX/XXXX XXXX hit and we were affected and went on the XXXX forbearance. As everyone was told that at the end no one would have to make up all the payments but there would be assistance to bring the loan current so we wouldn't lose our home. So XX/XX/XXXX it ended and we applied for assistance. Bank of America ends up saying the same thing they did and denied us that " they could not verify our qualifying income ''???? Since our only income for the last 4+ years has been VA XXXX XXXX and Social security I couldn't get anyone to explain how they could not verify that when I sent in the award letters and bank statements showing the deposits???? Now Bank of america has sent us foreclosure letters through XXXX XXXX XXXX XXXX attorneys office. I have reached out to the attorneys office to find out if there is a foreclosure sale date but they have yet to answer for 2 days and from my experience with these people in the past they don't give notice as required by law but they just impose a sale date and by the time I find out it is too late to do anything. I have reached the end of the rope as we are facing health problems from XXXX and my wife is sick and is more susceptible to XXXX  due to her poor health and being 100 % XXXX from service connected XXXX.
Product: Checking or savings account

I noticed overdraft fees on my account totaling XXXX on XX/XX/XXXX. I contacted the bank on the XX/XX/XXXX after another XXXX dollars in overdraft fees came out, totaling XXXX dollars. I was informed who the merchant was that triggered the overdrafts and I reached out to the merchant. The merchant stated they would refund my money because I didn't authorize the charges. I saw to credited payments from the merchant and contacted navy federal again to confirm the payments were reversed. Navy Federal refuses to remove the overdraft fees and provide a credit until the fraud issue is resolved. I have asked for a resolution but they are not giving direct answers and they have me going in circles. I have never experienced this with any bank and I am highly disappointed. This business is supposed to practice ethical acts but they are definitely practicing unethical practices. I feel like they are robbing the less fortunate and giving to the rich.
Product: Debt collection

I received a debt collection notice for budget rental car from Viking Client Services , LLC dated XX/XX/2023 in the amount of {$64.00} and I called the company XXXX XXXX XXXX XXXX ) and they stated there is no debt owed on their records and referred me to their collections department. However, no one from XXXX XXXX XXXXXXXX collections has returned my phone calls.
Product: Debt collection

Nothing! I had a card with Elan financial but defaulted because of my XXXX treatments. I told them this would happen in advance, they just didnt care. 
So I went to autopay. 
Upon default it went to their collection department where they decided that I owed almost XXXX when I had less than {$1200.00}. I sent a letter and proof of payments indicating that I had {$1200.00} left on the debt maybe slightly more depending on interest, and that I would pay up to {$1400.00} when I am back at work to account for any interest. 
they said they accounted for my payments but I still owe {$3700.00} ( as if I had sent no payments since XXXX ). 
I paid with autopay but had some ( not all ) of the confirmation numbers.. for ever payment up to XX/XX/XXXX when I was unable to work due to my XXXX treatments. 
I asked them for proof of the extra debt, and have since only sent payment demand letters, and one page of paper with the amount of money {$3700.00} printed on it, oh and until XX/XX/XXXX would call every 3 days to demand money. Recently I received 2 letters saying they will settle the debt for {$1500.00} if I paid in a lump sum, which is still more than what I owe and I cant afford anyway This has to be illegal the way they are treating me,
Product: Credit card or prepaid card

Back in XXXX 2016 my Discover credit card was stolen and it was used up XXXX of dollars. Now I'm trying to get a loan and this negative report is showing up on my credit report. 
I reported it to the police and received a police report. I thought it was dismissed by Discover, but it wasn't. Please help if you can. 

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

I previously filed a complaint case # XXXX and the company First Advantage failed to send me a report indicating that they fixed the inaccuracies they purposely reported. I'm starting to believe someone employed there intentionally reported false information to hinder me obtaining employment presently and in the future. They have NEVER sent me a corrected report so now I'm filing another complaint on a previous complaint that should've been completed. This is in reference to a background report they conducted on XXXX order by XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

Drive time charges its customers a convenience fee if you call or go online or into a store to make a car payment. Also they overcharge their customers for things like on star and car insurance but refuse to give a refund if cancelled? is this even legal? How many cars have they sold that within the XXXX year the tires went bad or it had some kind of mechanical problem. They are taking advantage of people who are trying to rebuild their credit and that 's just not AMERICAN of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2018 Balance Owed : {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Loan Account on My Credit Report Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning my credit report. I recently reviewed my credit report and discovered an account that I believe to be fraudulent. Despite efforts to resolve the issue with the company verifying the account, it has come to my attention that this account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I have never had any financial transactions with the company listed above, nor have I ever taken out a loan with them. This erroneous information on my credit report is causing significant distress, and I am concerned about its potential negative impact on my creditworthiness. 
I have already taken the following steps to address this matter : Contacted XXXX XXXX XXXX I have attempted to reach out to the company responsible for reporting the loan account. However, they have been uncooperative and unwilling to acknowledge the fraudulent nature of the account. 
Filed a Dispute with the Credit Bureau : I have submitted a dispute through the Experian online dispute resolution system. Unfortunately, the company verifying the account has not provided any substantial evidence to support its legitimacy. 
Initiated a Fraud Alert : To protect myself from potential further fraudulent activities, I have placed a fraud alert on my credit report with all three major credit bureaus. 
Considering the severity of the situation, I kindly request your assistance in resolving this matter promptly. I request that Experian investigates this fraudulent account thoroughly and removes it from my credit report as soon as possible. My aim is to maintain an accurate and fair credit history. 
Enclosed with this letter, please find copies of documents that support my claim, including a copy of my identification for verification purposes. 
I understand that Experian is committed to ensuring the accuracy and integrity of consumers ' credit reports. I trust that you will handle this dispute with utmost attention and conduct a comprehensive investigation into the matter. 
If you require any further information or documentation from me to expedite this process, please do not hesitate to contact me at XXXX or XXXX I sincerely appreciate your understanding and prompt attention to this matter. Thank you for your assistance in resolving this dispute and protecting the integrity of my credit report. 
Sincerely, XXXX XXXX
Product: Mortgage

the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.
Product: Credit reporting or other personal consumer reports

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

XXXX  Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This relateds to property that once was my primary residence. I left the area for job relocation. I sought a short sale of the Property, given the debt was seriously under the market value. Chase Bank promised through its authorized agents multiple times that a short sale was approved, only to have ultimate closings rejected by Chase. I relied in good faith on such representations to my detriment. I could have taken other actions to mitigate my losses if I had not relied in good faith on Chase 's misrepresentations. I further relied on promises of a deed in lieu of foreclosure. It has been 4 years and no resolution from Chase. Just recently I was informed my identity was stolen. Someone was representing themselves as me through XXXX and attempting to take rental funds. All of this could have been avoided but for Chase 's negligent and fraudulent misrepresentation. I need a deed in lieu of foreclosure.