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

I deposited a check with amount of {$970000.00} into my Wells Fargo checking account on XXXX. The check was issued from my XXXX account. The money had already been deducted from my XXXX account on XXXX. But Wells Fargo informed me that they 'll hold the majority of the money until XXXX. I wo n't be able to access the fund for another 8 days. When I called them and ask why they hold the money for that long, they told me the money is at the XXXX XXXX XXXX for clearing. My feeling is that they already got the money and try to earn some free interest on the fund. It 's the bank 's greedy to prey on their customers.
Product: Debt collection

I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. Block and remove them. 

1.XXXX XXXX XXXX XXXX XXXX 2 . XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX 6. XXXX
Product: Debt collection

Repetitious phone calls by XXXX XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX
Product: Student loan

I've had a private student loan since XXXX I borrowed {$4000.00}. XXXX yrs later, I still owe {$1200.00}. 
Something is not right about that. I've contacted the company. They bought the loan from XXXX XXXX. The solution they gave me was to pay it off. I can't do that. I've paid more than triple the original amount borrowed. My loan is accruing XXXXXXXX XXXX a day. That just can't be correct.
Product: Mortgage

I own a condo in FL with a mortgage rate of 6.56 %. In XXXX 2019, I contacted Amerisave Mortgage to apply for a refinance and was told the rate would be 3.8 % .A great deal of paperwork was faxed and emailed. I had been asked what my gross monthly pension check was and my gross monthly social security check was. After being told everything looked good I was asked to pay {$XXXX} for an appraisal fee, which I did. After that the underwriters received a copy of my tax return and I was told the mortgage had to be rejected because a portion of my social security was subject to taxes ( however no tax was paid-enough had been paid by my pension ) I strongly suspect this company could not place my 3,8 % mortgage and I requested a refund for my {$XXXX} appraisal fee..of course they refused
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

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

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

Synchrony bank is still reporting my accounts with XXXX, XXXX, and XXXX as open and charged off when they have all been sent to collections and have since been taken off my Credit report I would like Synchrony bank to remove these XXXX accounts from my credit report since i have already taken care of them. please i called and spoke to a representative who was uncooperative and unwilling to help me I am trying to repair my credit so that i can buy a home for myself and my son and i hope XXXX day to be customer with synchrony bank again
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed fraudulent accounts on my report these accounts is hurting me a lot because I cant obtain credit. thank you
Product: Money transfer, virtual currency, or money service

This complaint is regarding PayPal and their unlawful and illegal seizure of my readily available funds. 

On XX/XX/XXXX, through a series of ( 40 ) transactions, I loaded $ XXXXUSD worth of Visa/MasterCard gift cards ( {$100.00} ea ) onto my PayPal account so that the money could be used in one or two large transactions rather than used individually. 

The gift cards were processed immediately and PayPal charged 2.3 % on each transaction. However, only {$500.00} was made immediately available and the remaining was held " Pending '' while PayPal completed an investigation on the transactions. 

I was required to send them additional personal information ( drivers license, credit card statements, bank information ), all of which I submitted in a timely fashion. I was told by a customer service representative that the investigation could take up to 30 days. 

On XX/XX/XXXX, I called PayPal and spoke to another customer service representative that explained to me that the hold is typically done in order to protect against buyers requesting refunds. I explained to him that this is not a situation where money would be refunded and he said that he was going to recommend that money become available. 

As of Saturday XX/XX/XXXX, the money is no longer pending, it is listed as " Available '', however, when I go to move the money into my bank account or try to send the money to another PayPal user, I receive a system error that states " You can't use PalPal anymore ''. The message goes on to state that " I can not send or receive any money, and that the money will be held for 180 days ''. 

After several calls to customer service yesterday and today ( XXXX ), I have been told by PayPal in this instance, the money is " Available '' and does in fact belong to me. However they will continue to seize my funds for the remainder of 180 days from my last transaction. They have shut my account down, and I am not able to send nor receive funds via PayPal. The customer service representative also explained that they are not able to make arrangements to set up payment or issue me a check for that balance listed on my account ( {$3800.00} USD ). 

PayPal in this instance is acting as a Financial Institution with power to seizure, without any legal authority to do so. PayPal is refusing to release fund to me, even after declaring me the rightful owner of the available funds. 

I have made a formal complaint to the FTC ( Ref # XXXX ). 
I have contacted the NYS District Attorney 's Office. 

I am acting to file a publishable complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Credit card or prepaid card

Hello, I am reaching out in regards to a dispute I opened up with Wells Fargo. This dispute was for hotel stay at XXXX XXXX XXXX ( XXXX ), I booked through XXXX for a trip to XXXX, I originally booked a stay at this hotel through XXXX to ensure that if I had any trouble they would be able to help me but it seems they are offering no help when it comes to disputing this charge even though I was assured that I would be able to get my refund by the hotel staff. The other members of the group I was traveling with also had the same issues and they were refunded for the stay. ( See Attachment ) Since XXXX was not helpful I disputed it with Wells Fargo. The reason for disputing this charge is because I did not stay at this hotel for the entire booking due to hotel conditions. The rooms were filthy, much smaller than advertised. XXXX units were not working properly and bugs everywhere. 

The Wells Fargo card is the XXXX which is a XXXX XXXX card. XXXX is also stating that they can not help me get a refund because I stayed at the hotel past 15 min but I had no other options. We arrived at around XXXX XXXX in a country that we are not familiar with so it would have been impossible to find anywhere else to stay. 

I have been disputing this charge since XXXX and still have not been helped. Wells Fargo constantly sends my dispute from team to team stating they can not help me, reject tej dispute or tell me to reach out to the merchant which is nearly impossible. 

I have attached photo 's of the room and proof that the group I was with received a refund from the same merchant for the same booking. 

Thanks!
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX I sent CAPITAL ONE a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2.By CAPITAL ONE still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5
U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016.

4. CAPITAL ONE duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. CAPITAL ONE has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.
Product: Debt collection

VALIDATION AND CEASE AND DESIST LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dear LVNV Funding LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to XXXX XXXX XXXXXXXX, SC XXXX XXXX, Ga XXXX XX/XX/year> Amount {$600.00} I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In early XXXX, I called Discover in regards to a credit card program they offered. I was told about a card program that offered 0 % interest on transferred balances until XX/XX/XXXX. They said that as long as the balance was paid off by XXXX of XXXX, then I would not have to pay the deferred interest charges. I told them that this was a great program and I signed up online. I made XXXX balance transfers and it was while I was making these that I was presented with the fact there was a 3 % charge on the transfer. This was never disclosed to me. I decided to pay it as it was still a good deal. It took a while to get the actual card and in late XXXX I called to do a third and final transfer over the phone. I asked the representative if this was the no payment, zero percent interest card until XX/XX/XXXX and they confirmed it. Today ( XX/XX/XXXX ), I saw online that I owed {$280.00} on my balance by XX/XX/XXXX. I called and spoke to supervisor XXXX and she stated that I had agreed to the disclosure when I called in late XXXX. I asked if I could hear the recording as I didn't remember hearing that and/or agreeing to it. She told me she couldn't provide the recording and that I would have to go upon her word. She told me that I could write or fax a request, but their policy was the recordings were for internal use only. I reiterated that the recording is to also protect the customer and that I had a right to hear it since it involved my financial well being. I would like to hear the unedited version of my call.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  -Acct # XXXX XXXX. XXXX XXXX -Acct # XXXX XXXX. XXXX XXXX XXXX # XXXX9 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX H & R ACCOUNTS INC have violated my rights. 15 U.S.C 1681 Section 602 A states, " I have the right to privacy. '' 15 U.S.C 1681 Section 604 A Section 2 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

For the past 10 days, when I go to a personalized offer page after logging into my American Express account, the top-most offer states : Special Offer Upgrade and Earn XXXX Bonus Miles and a {$250.00} Statement Credit Earn XXXX Bonus Miles and a {$250.00} Statement Credit after you spend {$4000.00} in purchases on your new Card in the first 6 months of Card Membership. 

When I accept the offer, a web page appears saying that it is longer available. When contacted on the phone, that offer is not respected, but a lower ( worse one ) is offered. 

Originally, I thought it was a computer glitch, and that it the offer was truly unavailable, it might just take some time for my offer page to get updated. However, the same problem has existed everytime I have logged in, therefore they are continually make me an " offer '' and not honoring it. 

I have enclosed a screenshot, showing me logged in, and the offer at the top of the page.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX  - XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$250.00} Opened Date XX/XX/XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX & Balance {$0.00} Opened Date XX/XX/XXXX Collection XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX 2019
Product: Money transfer, virtual currency, or money service

my funds are being held even after 180days are over for more than 2 years despite how many times i try to withdraw. please assist me to get my funds because despite contacting support they are taking me into circles.
Product: Credit reporting or other personal consumer reports

Account was opened via XXXX XXXX. I never received a statement, card, or account information. I obtained information via credit report. 
This account was changed off XX/XX/XXXX first payment never received. In effort to resolve account I contacted DIGNIFI in XX/XX/XXXX. Per the settlement process provided by representative I submitted a 30 % of balance settlement offer in writing via fax number provided XX/XX/XXXX. No response from DIGNFI. I called back and spoke with a representative who gave me a mailing address as payment method. I mailed offer, agreement, and payment with tracking and return receipt. I received signature confirmation receipt. The cashier for XXXX was cashed XX/XX/XXXX. My credit reports has not reflected payment or settlement as of XX/XX/XXXX.
Product: Debt collection

XXXX ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$300.00} ( see attached ). However, on the credit report is reads : {$400.00}. Therefore, this account should be removed from all credit reporting agencies.
Product: Mortgage

I recently sold a property and the mortgage company took a payment out of my bank account the next day after we closed on with them. I called and they said they would put the bank draft in the mail with a check and that was the XXXX of XXXX. Today I got a letter saying the check was refunded and no check enclosed. Called them and they said no check was enclosed as they put the money back into my account. I explained that I had the bank account open online and they did not. Then they said that I would not get my money back for 20 days?? Asked to speak to a supervisor and that wasn't happening. 

West Star Mortgage Corporation XXXX XXXX XXXX XXXX XXXX, NM XXXX loan # XXXX