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

I have no clue why my account was limited and it says Im not able to use payPal all of a sudden after literally receiving {$500.00} from a friend. This is so disgusting! While A global pandemic is happening, my money is literally being held from me and Im abruptly banned from EVER using PayPal without any sort of reason. I need my money the least, transferred to my bank. They cancelled the transfer then emailed me saying You can no longer do business with us I looked it up and they have a history doing this to people. Its so gross and absurd. They have a history of doing this same exact thing to people! I need my access back, and I need that money to be transferred. I have bills to pay and its Monday. This is ridiculous.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I took out a loan of XXXX. I was charged an APR of 775.35 % with a total finance charge of {$9900.00} and total of repayments being {$11000.00}. As an Ohio resident under Ohio lending laws I dont think you can charge an APR that high even with XXXX Agreement or consent for alternative interest rate.
Product: Mortgage

I have been attempting to get a payoff quote for a HELOC for over a month from Umpqua. This is to complete my refinance. They are holding me hostage in my mortgage and preventing me from accessing my liquidity by holding up the refinance process. 

Each agent I speak to on the phone says they will emails it in 1-2 days. They never send it. They have all the correct contact info, I have no issues getting bills and statements from them. 

To make matters worse, I have never even used this HELOC. They will charge me {$500.00} in early termination fees that they do not disclose on their site and did not disclose during opening. I dont even want to fight them on that. I just want to close the loan and move on.
Product: Checking or savings account

During XXXX of 2021 my bank account was hacked and close to {$1200.00} was transferred out without my knowledge. The theft was accomplished through Google 's automated payment system that links XXXX account to XXXX XXXX. In order to make purchases from XXXX XXXX, Google requires a Bank account/debit card/credit card linked to the email account. After being able to log in to the email account the perpetrators were able to accept a device through email as legitimate, and therefore authorized to conduct various financial transactions on XXXX XXXX. If an automated notification regarding unknown device ever was sent, it was accepted and subsequently deleted without my knowledge. 
After filing a fraud report with Google, I closed the account, canceled the debit card and notified my bank, XXXX. The bank debited my account ( cash/bank is an ASSET account, normal balance is DEBIT ), assuming until the matter was resolved. 
After some time ( 10 to 14 days ) Google denied my claim, claiming " the purchases were made using an email account with all the correct information '' XXXX XXXX removed ( credited ) the abovementioned cash from my account WITHOUT NOTIFING ME FIRST.
Product: Credit reporting

account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting act the company name has violated my rights 15 u.s.c 1681 section 602a states I have the rights to privacy. 15 u.s.c 1681 604a.section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

As per 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

So please tell me who you spoke to regarding this debt to take it upon your self to add this information to my reporting violating me ans resulting in Identity theft as per 15 USC 1681a4, and 15usc 1681b permissible delete immediately and cease and desist all this mess.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish an account without writing Instructions from the consumer.

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 items 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.

I demand the above-mentioned accounts be deleted from my consumer report.
Product: Mortgage

Applied for forbearance while out of work on medical leave. Forbearance was supposed to end XXXX XXXX XXXX I was told my past due amount was going to be put to the end of my loan during a phone conversation with my mortgage company at the end of XXXX. End of XXXX comes and I'm told everything is still pending for my missed payments on forbearance to be moved to the end of my loan and they will move the start date of my payments to the beginning of XXXX since I can't make a payment while this is pending. Come end of XXXX I'm being bombarded with phone calls that I was supposed to fill out paperwork in order for my payments to restart and my modification to move my missed payments to the end of my loan term. I never received paperwork and they kept telling me they would send it and never did. I asked multiple times if I could set up a repayment plan and was told I had to pay past due amount in full or they will not accept any payment from me what so ever. Finally received paperwork in XXXX of XXXX filled it out and returned it was told I would get confirmation in 5 business days that it was processing and never did. In XXXX of XXXX was told my only option is short sale or deed in lieu of foreclosure. No one is returning my calls or emails. If they do they will call me at random times of the day ( sometimes at XXXX  ) when I can't answer or from a number that shows up a potential spam. They are not in a different time zone from me so idk why they're calling me at XXXX.
Product: Money transfer, virtual currency, or money service

I want to be able to link my bank on apps that I want to with my permission but I don't know who's stopping me or whats stopping it.
Product: Credit reporting

I have tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name XXXX DEPTEDXXXX  Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 Account name : # XXXX Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account # XXXX Account # XXXX Account # XXXX 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

Since the onset of the forbearance plan ( XXXX of XXXX ) and the COVID pandemic USbank had assured me on MULTIPLE occasions that when the forbearance expired the bank would have SEVERAL options to help us stay in our home. We had talked to multiple " Relationship Managers '', and various people from USBank, our Relationship Manager changed multiple times. When the first year began to expire and I touched base to figure out my options, I was given two options. One option was to have a separate loan for the forbearance amount ON TOP of our regular mortgage payments. So we would be paying more. The other option was to add the forbearance plan on the back end of the mortgage, our mortgage payments would increase. These were very disheartening options because the only thing I had reiterated EVERY time I talked with a USbank employee was that I needed a lower mortgage payment. She had then directed me to a local branch to talk to a mortgage lender to see what the possibilities of refinancing would be, obviously after the fact of COVID, and with no relation to hardship. Which I will point out no one ever got back to me locally. So after about two frustrating phone conversations, I had received a call from USbank about a mortgage assistance program ( XXXX of XXXX ). We were sent the paperwork, gathered all the necessary information and even extra to show our hardship. When we received a call after submitting the paperwork, we learned that we should not have received the mortgage assistance plan until after the first day of the last month of our forbearance. It was during this phone call when everything was explained in detail that made sense, and the woman made extensive notes on our file so the next person we talked to would have a better understanding of what we had gone through. Finally, we come to the last phone call, in which we were given four different options, including filing for the mortgage assistance program. Unfortunately the best option for us is still not adequate. Our monthly mortgage payments dropped by over {$100.00}, but its still not affordable to us. Our interest rate dropped by nearly 2 % which is a decent amount over the life of the loan. And the language USbank insists on, for us to state our hardship is over, just to be eligible for any of their programs is false and counter productive. It is very much a loophole USbank is forcing us to admit so in the future the bank wont be held accountable if we struggle and try and get more help. I am truly disgusted with the banking industry in this country, the amount of freedom to profit off the American people, while still having the ability to strong arm the government into endless bailouts is abhorrent. In the end I contacted our Congressman, XXXX XXXX XXXX, who referred us to the CFPB for further assistance.
Product: Credit card or prepaid card

I think XX/XX/XXXX, I dropped my wallet and someone used my XXXX Credit card. It was reported to them and they closed the account. This ended up on my credit report and disputed and found that there was fraud on the account. XXXX  removed it in XX/XX/XXXX and it was placed back on 2 yrs later. Was disputed again and it was recently removed again. The new name is now Cache LLC for {$490.00}.
Product: Credit card or prepaid card

I paid off my Capital One Quicksilver Card on XX/XX/23 and the payment posted on XX/XX/23. The balance was {$1400.00} and I received an email confirming the balance posting, taking it to {$0.00}. Today, XX/XX/23, there is an interest amount due of {$27.00}! I called Capital One, ended up having the call escalated to a senior manager that would not remove the charge, siting its Capital Ones policy. Thats the only answer I received after asking why that amount was not included in the total balance owed. Any help would be appreciated since that balance is due on XX/XX/23 and Ive never missed a payment. Thank you.
Product: Money transfer, virtual currency, or money service

Paypal Dear Mam/Sir already provided the needed documents and info but still my account is still limited its states there that my account should be back to normal. plsss fix this. its till limited after submitting needed documents. i have XXXX XXXX in 3 days i need the money. plsss lift the limitations in my account and let me withdraw. if i dont get the money i cant have XXXX my condition and XXXX will worsen. it is stated in the attach picture that i complied and passed the necessary documentation and info and my account should be back to normal. but it is still limited and unable to withdraw. i was a victim of an algorithm that permanently blocked me from using paypal. i was falsely accused but i cant stress enough that i did nothing wrong. and paypal executive said so that they can explain on why my account was limited specifically. plsss help me. i need the XXXX for XXXX XXXX XXXX XXXX XXXX its an XXXX XXXX so i really need my funds withdrew. 

paypal : XXXX Reference ID : XXXX
Product: Debt collection

I notified XXXX in XX/XX/2019 I had received mail regarding an account opened in my name that I had not signed up for. In XX/XX/2019 I had experienced fraud issues with several other creditors who actually attempted to verify my identity before allowing accounts to be opened in my name in XXXX of XXXX and reported to XXXX and they put a fraud alert to creditors with my name and information. All the other creditors ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) were resolved with one phone call. This fraud alert was active when XXXX allowed an account to be fraudulently opened in Florida ( I have resided in Illinois for over 40 years ) in my name. A simple credit check would have have prevented this whole matter. Instead in 4 years XXXX  has referred me to collections twice despite my providing proof of identity theft including a police report. Collection agencies have harassed me repeatedly with calls and letters. XXXX has never resolved or responded to my reports. At this point I consider this harassment and a violation of the Statement of Identity Theft Victims rights, Had XXXX done the most basic credit check they would have found the was fraud alert for accounts attempting to be opened with my SSN in XXXX of XXXX Out of 5 attempts to open accounts using my identity in XXXX and XX/XX/2019 XXXX was the only company who failed to take this simple step resulting in what is now a 4 year campaign of harassment and unwarranted negative reports on my credit history.While I have spent hours trying to rectify this issue and provide documents to report this as identity theft XXXX has not provided a single shred of proof to establish I opened this account.
Product: Debt collection

I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX  is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment
Product: Credit reporting or other personal consumer reports

Please help me remove these inaccurate inquiries and incorrect personal information from my credit reports
Product: Checking or savings account

On Saturday XX/XX/XXXX I went into a Bank of America branch to deposit my payroll check, as always I am expecting the check to clear my account the next business day. ON Monday I see that the funds were available so I start paying my bills online, but something told me later the day to check my account again and I saw that the funds were reversed. I called customer service to see what was going on the gentle stated it had to do with my employer releasing the funds ( odd ). Tuesday they posted 4 {$35.00} dollars non sufficient funds due to the reversal and also causing me to have late fees on the bills I paid that were returned. I waited for Wed XX/XX/XXXX to see if they release the hold and they didn't. At this point I reached out to my employer to see the issue and they did in fact confirm the funds were released to bank of america on XX/XX/XXXX. I called customer service to see if they can give me back the XXXX dollars since it was not my fault the funds were reversed, the customer service supervisor refused stating it was my fault. Again not sure how this is my fault when I confirmed with ADP and my check cleared meaning the bank already received the funds for my pay check. I simply wanted my XXXX and for someone to tell me the truth and not give me the run around for days. Bank of America has lousy customer service on the phone and are not will to help not even when it is not the account holder fault.
Product: Credit reporting or other personal consumer reports

Comenity Capital Bank/XXXX entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXXXXXX XXXX ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion is telling me that I was not affected by the computer glitch XX/XX/XXXX. So they are unable to remove the inquiries that were not there on my report previously. In addition to employees of transunion giving false names, not letting me speak to someone in position of higher authority, putting me on hold and not coming back to the line, and terminating my call. The inquiries have been deleted and reinserted numerous times XX/XX/XXXX. I did n't break the law, THEY did and they refuse to take care of the matter