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

On XX/XX/2021 Paypal limited my account the moment after I loaded {$500.00} of my own cash at a nearby XXXX XXXX store. I have provided all of the information requested of me but my account remains limited. I received an email from XXXX on XXXX XXXX, 2021, XXXX XXXX  and it stated the following : XXXX XXXX XXXX XXXX, 2021, XXXX XXXX  ( 2 days ago ) to me Dear XXXX XXXX , Thank you for your cooperation in completing the review of your account. 

You've already completed the following actions as part of our review : - We've received acceptable copies of the following documents or information : We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : Provide a copy of a valid identification document, such as your driver 's license, passport, or any other government issued identification document. 

Please provide tracking information for following transaction ( s ) to confirm the buyer received your items. 

-Transaction ID : XXXX Please include the following information : * Tracking Number * Name of Shipping Company including the address of their website * PayPal Transaction ID You can input this information in the Transaction Details page of your PayPal account. 

If you can't obtain a tracking number, please provide proof that the item was shipped. A Proof of Shipping document can be obtained from the post office or company that shipped your item. You can upload this document to us in the Resolution Center. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 

After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 

Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 

Sincerely, XXXX PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX PayPal. All rights reserved. 

I can not verify if this email is genuine because I am not allowed to contact PayPal in any way during this process. They referred to a transaction ID that does not exist in my account, and after they confirmed that I verified my identity, they then proceed to say that I have not provided it. What is going on??? 

I just want my money ; I will never ever ever use Paypal services again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which allows me to challenge inaccurate or incomplete information.

Upon reviewing my credit report, I found the following errors that I believe are incorrect and need to be rectified : Under Section 1681i of the FCRA, I request that you investigate this matter promptly and correct the erroneous information. Please notify me of the outcome of the investigation and any updates to my credit report.

If this matter is not resolved within the required time frame or if the information is not corrected as required under the FCRA, I will consider pursuing further action as outlined under Section 1681o, which may include seeking damages for any willful noncompliance. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the dispute and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Attempting to collect debt on an account that the statute of limitations has passed
Product: Checking or savings account

Fraudulent wire was made in my online banking account for {$28000.00} on XX/XX/23 XXXX AM XXXX  to an unknown and unauthorized bank account. I caught it and called Discover Bank at XXXX PM XXXX and told them to cancel and stop payment immediately! This was within 4 hours of the wire attempt. They confirmed and said they put the wire on recall. 

I called multiple times in the next days and each time they said the wire was still on recall and I had to wait. I kept asking and requesting for a permanent stop, but they kept telling me they could only recall. 

The email I had received with original info of the attempted wire transfer ( that I did not make ) states, " A Wire Transfer Specialist will verify your wire details before the transfer is processed. '' No one ever called me or verified anything with me. Absolutely no money should have been sent without verified consent. But more importantly the wire should have been stopped as soon as I called them to inform them. 

Furthermore and worst, at XXXX AM XXXX  on XX/XX/23 I received a notice from Discover Bank stating the funds have successfully transferred!!! How could that be possible if I told them it was fraud and to stop payment?! And they had already confirmed it was on recall. 

After many requests and demands, they would not make it possible for me to speak with a wire specialist or anyone that could give me the help I needed such as wire details, the bank account the funds were wired to, name, account number, or anything that could help me take action on my own. I was willing to do everything in my power, Discover Bank was not. 

This is my life savings and I am currently unable to buy basic life necessities like food and water and Discover Bank did nothing after I told them to STOP PAYMENT! 

It has now been over 4 full days since I originally called and the bank has not recovered the funds they wrongfully processed nor a phone call from an investigator or anything of the sort, and I am left with no time frame either as to when they will be returning the funds back into my account that I use for every day survival. 

Federal reference number for Wire transfer XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not want to write long messages as I did it already I just want to ask you again, remove this account from my credit report because its not mine, I already filed Identity theft report, proving that this account is not mine. However two bureaus still reporting them in my report, what else I need to do in order to get rid of wrong and misleading information in my credit report that just killings all my PLANS!! Maybe you can recommend what to do???
Product: Debt collection

THE COMPANY, XXXX XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXXXXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit is reporting a repossession on my credit file for my auto loan on the car that is still in my possession and paying faithfully every month. They are in clear violation of the FCRA.
Product: Checking or savings account

On XX/XX/2023, I deposited a check to my USAA checking account via the USAA Mobile app. The amount of the check deposited was {$5000.00}. USAA placed a funds hold on {$2500.00} of the deposited check to be released on XX/XX/2023. On XX/XX/2023 the check cleared the external financial institution and funds were transferred to USAA via the Federal Reserve Bank. 

I called USAA to inquire why my funds were still on hold. I explained to the USAA representative that the external financial institution cleared the check on XX/XX/2023 and that USAA can call and verify this information with that financial institution. I also explained to the USAA representative that the funds USAA was holding without justification were gong to be used to pay my USAA credit card balance which was being charged interest compounded daily while I was waiting for USAA to release the funds that have already cleared. USAA is unjustly holding funds that have cleared my account causing me hardship and a unfair accumulation of interest on my USAA credit card.
Product: Debt collection

Happy Halloween ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and I.d . as it contains my full complaint and requests. 

This company bought my medical information with out my consent which is against HIPPA Law. My Consumer Rights has been violated!
Product: Credit card

I have had the same credit card account since XXXX  with Citibank. I am a good paying customer and am XXXX old and in the process of moving. I really need my card to make the transition smoothly. 

Recently I tried Citis autopay monthly using their third party service. First month didnt go through because it takes two months. This was not indicated anywhere so of course no payment. Representative said I should have known. How? When I found this out I immediately paid that month by phone with their representative providing my bank account information and was assured autopay would work for the next statement. Again the payment did not go through for that month.

Now a new bill for two months had been generated and I was told the problem was with my bank. I contacted my bank and was told it was not a problem on their end. I called Citi with this information and they waived late fees and suggested I try to reenter all my information with Citis third party service. I did and it took several tries but the full two month payment finally went through.

Next thing I know I tried to use the card and it was rejected. I called Citi and was told their policy is to close an account that has missed two payments. I was working with them on this the whole time and it was their service that wasnt working. I voiced how outrageous this was and asked for my account status to be reviewed and reopened. Just received an email this last week indicating they will not reopen the account. 

I am asking that you intervene so that my account be reopened for my move. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My daughter, XXXX XXXX, is handling this matter for me as I dont hear well. She is an authorized user on the card.
Product: Debt collection

I have no knowledge of this account or business and they proceeded to put a collection on my credit report. This company is fraudulant and attempting to collect a debt that is not owed.
Product: Debt collection

I let care credit know that I was filing for bankruptcy XX/XX/XXXX. I received XXXX letters afterwards. I called on XX/XX/XXXX to ask why I was still receiving letters in the mail if I advised them I was going to file for bankruptcy. They insisted that they will not cease communication until they receive a case number. They admitted that their system was updated XX/XX/XXXX that a bankruptcy was pending. Hence why I was immediately transferred to the bankruptcy department since the regular customer service staff refused to speak with me. When I asked the bankruptcy department if they were supposed to stop contact with me once they were notified I was going to file for bankruptcy, they said they can contact me until they receive a case number. Im tired of being harassed. It took XXXX months for my bankruptcy petition to even be prepared. It was just signed XX/XX/XXXX and I still havent received a case number because of the backlog in court. What care credit is doing is not fair. I cant control the courts. And apparently its unlawful for them to harass me if I am in the middle of filing for bankruptcy even without a case number.
Product: Checking or savings account

I reached out to HSA bank two weeks ago with the following e-mail : " Good evening - I recently transferred the balance of my HSA bank account to XXXX and saw that I was charged a {$25.00} account closure fee. Please advise why I was charged this fee despite being sent a letter from HSA Bank stating that accounts that were created while you service XXXX for HSAs would not incur such fees? See attached file for details. 

As such, it seems pretty clear this fee needs to be credited back to me. Given I have more medical expenses this could simply be sent to me as a disbursement via ACH or a check ( since the account is already closed ). '' Including an attachment with a scanned copy of a letter HSA Bank sent indicating there would be no account closure fees. Since then I received a generic response from a representative to call their 24/7 service line that either went to hold-music for thirty minutes before dropping or the call or a dead end " The person you are trying to reach has a voicemail box that is full. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

We have 3-business VISA accounts and 1-personal account, our charges each month on all the cards is often in the tens of thousands of dollars, but we do not make monthly payments, our balances are paid off 100 % each month. The Credit Reports make it look like we have a considerable amount of debt and are making monthly payments, when we actually have none, other than one mortgage through our company XXXX XXXX, XXXX, for the XXXXXXXX XXXX in downtown XXXX, XXXX. We have no personal mortgage debt on our 2 homes and 2 condos. We have been trying to increase our CC limit to {$100000.00} as we are in the process of furnishing our XXXX XXXXXXXX XXXX home that we have just built and will be making significant furniture purchases. Regardless of our monthly expenditures the full balance will always be paid off. 

XXXX XXXX relies on the credit report to justify a credit increase, it is ludicrous for them not to look in-house to know we never carry over a balance. Why they rely on the credit service makes no sense under these circumstances.
Product: Credit card or prepaid card

I received a paper bill from XXXX XXXX for a balance of XXXX. I attempted to log into my account, but received an error message that i would need to reset my password. A link was provided for updating my password, but when I went to the link, it advised me that they would send me an email with instructions on resetting the password. After numerous attempts, I never received the email. I finally gave up and mailed a check for {$50.00}. This was on Sunday. On Wednesday I received a call ( XXXX XXXX  ) regarding a past due on my account. I was told my balance was {$100.00} ( apparently they charged me late fees ) and my payment should have been {$58.00} ( for a balance of {$75.00}? ). When I complained about the inability to access my account online, I was advised that this was a known issue and they were trying to fix the problem, but were unable to provide a timeline when it would be fixed. When I attempted to pay another {$58.00} on the account using a credit card, they said they could only accept payment from my bank account ( they asked for my bank pin number for the payment ). This is unacceptable, and a basic security violation for bank accounts. When I am able to get back home I will be sending another check and closing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), Credit Acceptance Corporation, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and Credit Acceptance Corp and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. Credit acceptance corp is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX2018 and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the surgery ( XXXX hospital XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.
Product: Debt collection

XXXX is a third party debt collector, and listed as a servicer to Carvana, was sent correspondence and an affidavit to inform them of their violations of the FDCPA, SEC, my Federally protected privacy rights of 1974, ( 5 USC 552a ) Proof of contract between parties and not STATEMENTS, committed language fraud, and in the FORM 8-K 7TH SUPPLEMENTAL INDENTURE, Rule 425 under the Securities Act ( 17 CFR 230.425 ) 16 CFR 433.2 they I informed them i revoked any and all rights i may have given them, written, non written, verbal and nonverbal, and still they're going against federal law, the SEC indenture they signed to and uphold. I revoked their POA and provided my POA in place, and under penalty of perjury, they didn't rebut what was given to them. i have not received my 1099c from the Trustee and due to the debt is already prepaid due to 18 USC 8, and I've already given them a promissory note that was securitized, which is under the UCC which they committed securities fraud. under 15 USC 6802 they may not disclose my information without my written consent and they didn't receive it, because i never gave it so that would be Identity Theft 12 CFR 1022.3. XXXX has caused injury and are civilly liable for their willful noncompliance 15 USC 1691n and 15 USC 1681o. as a federally protected consumer I'm enforcing my rights to have my compensations remitted due to the injuries caused. by reporting late on an open-ended credit, that's a violation as well.
Product: Debt collection

Disputed the account being in collections due to it being fraudulent. Contacted XXXX XXXX and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.
Product: Debt collection

I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is XXXX XXXX XXXX XXXX they are from XXXX, VA