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

On XX/XX/2023, I received a email say my PayPal account is permanently closed because of " activity in your account thats inconsistent with our User Agreement ''. 

Having been a loyal and responsible user of PayPal for over a decade, I was taken aback by this sudden decision. I use this account primarily for my daily transactions, all of which are legitimate. Given this, I am unable to comprehend how my activities could have contravened the User Agreement. 

I have already attempted to resolve this issue via a phone call, but unfortunately, it did not prove fruitful. 

To the best of my knowledge, all my transactions have been in line with PayPal 's guidelines and policies. If there has been any unintentional violation, I would appreciate your guidance on the matter. 

Additionally, I would like to bring to your attention that my account currently holds a balance of approximately {$300.00}. As a result of the account closure, these funds have been rendered inaccessible.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed frivolous accounts and also inquiries that does not belong to me.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2018 i send money through XXXX XXXX XXXX dollar but I put wrong account number but it shows complete it suppose to refund I called the customer care they tell that contect with receiver bank I already contact they saying not credit in bank
Product: Credit card or prepaid card

On XXXX XXXX. My credit card was charged XXXX US dollar. and when I called the bank, they says it 's the system error they will give me refund.and they did give me the XXXX us dollar refund, but on the XXXX and the XXXX us dollar charge showed on my statement again.I called the bank ask for solution, they keep saying " It 's not your problem '', and they will investigate for me. I payed for the minimum on the credit for about two month, the debt collection company keeps calling me for the money that I " owned '' .This problem is not solved until today.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1700.00} WITH XXXX, XXXX, & XXXX CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT
Product: Credit card

For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.
Product: Mortgage

I received a mortgage from Prime Lending. In the mortgage it specifically said we would not acquire the property until XXXX the XXXX. It was not our house, we did not live there. The house we were living in was listed in the mortgage and was listed as our address. 

Prime Lending sold the mortgage. They claim to have contacted us by mail on the XXXX of XXXX. However, we didn't live there so I have no idea if they did. I received an email from them on the XXXX of XXXX saying the mortgage had been sold and would be finalized on the XXXX of XXXX. This is only 10 days before the sale of the loan. " Except as provided in paragraphs ( b ) ( 3 ) ( ii ) and ( iii ) of this section, the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' Now that the loan has been transferred. according to the documentation with the new company, Prime Leaning lied about the effective date. They show the effective date as XX/XX/XXXX, not XX/XX/XXXX. This means even the first documentation they sent me was sent before the 15 day period.
Product: Credit reporting

I disputed on my second mortgage with Experian on XXXX which was included in a chapter XXXX bankruptcy in XXXX of XXXX. I have noticed that XXXX has been reporting in the Recent Balance XXXX $ and a current date of XXXX. I also noticed on other credit reports such as the XXXX in XXXX that it was being reported as Date of Major Delinquency First Reported and put the date of XXXX. I did not re-affirm this loan in the bankruptcy. My understanding is that from what I am reading that " After bankruptcy mortgage payments-current or late-do n't show on your credit. My results from Experian is that is will remain. My 1st mortgage with wells fargo under Recent balance shows the correct date of XXXX which is what it should say on safe credit union. XXXX informed me that they can not report any payments on the credit file. So why is XXXX XXXX XXXX reporting it. I would like to have it fixed. I have attatched screen shots of the reports.
Product: Debt collection

This account doesn't belong to me .it 's reporting inaccurate and missing information such DATE OF LAST ACTIVITY WHO THIS ACCOUNT WAS SOLD TO NOT REPORTING CHARGE OFF AMOUNT, NOT REPORTING LATE OR PAYMENT HISTORY IF ANY INCOMPLETE AND INACCURATE INFORMATION AND MUST BE DELETED
Product: Checking or savings account

I am writing to file a complaint against Regions Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Regions bank for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My mortgage was sold from XXXX XXXX and it now serviced by Service Loan Servicing company. They sent documentation for a loan modification and I tried to continue to my monthly payments through their site and it was disabled. I dialed the number to continue to make my payments over the phone and the representative told me that they couldn't take my mortgage payment until the loan modification was completed. I recorded the conversation. We submitted the loan modification documents but they reported us late with the credit bureaus when they were the ones whom didn't take my payments. This is corrupt service company, they are not even the owners of the loans, their 'customer ' service representatives are uneducated and located in XXXX  and XXXX and lack any financial education or any college or high school education.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX, the consumer, have been violated by the company Capital One Bank times. Capital One " Bank '' has violated has claimed they have provided credit however they only have rights to borrow, and are not an actual bank.They are forcing customers to put down cash payments for a consumer credit transaction and have continued to take cash payments in consumer credit transactions. They have proceeded with furnishing false information on my credit report. They have failed to provide me with a validation of this alleged " debt '' They used my my social for non permissible purposes and found other use for my social security number. The company was paid off but still furnishes a negative, " charged off '' report. The company has at times called me multiple times within a week threatening me to make payments and eventually sued me when not in my jurisdiction. Also, they are violating FCRA by reporting false information. They appear as " Capital One Bank '' on statements however show as " Captial One '' excluding the " bank '' on bills. According to my calculations alone I'm showing that I was violated 14 times, i'm sure there's more. However, they are in violation of 15 USC 1601a, 15 US CODE 1681 ( A ) 15 US CODE 1692 D, 15 US Code 16, 15 USC 1681n ( b ), 15 USC 1692g ( 1 ), 15 USC 1692 ( 2 ), 18 USC 8, 15 US CODE 1692B ( 2 ), 15 USC 1692B ( 3 ), 15 USC 1692H, 15 USC 1692g ( c ). This company has lied about who they are so there's no telling what other lies they have told. Capital One " Bank '' is a very dangerous well known company and this company has caused mental anguish that is turning into physical stress and is affecting me tremendously.
Product: Vehicle loan or lease

XX/XX/2020 the bank had a tow truck company stole my automobile. I have given bank promissory note twice. 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Product: Bank account or service

I have a banking account with Citibank that was opened XXXX XXXX, 2015. There is a bonus of XXXX XXXX miles for opening the account after meeting spending requirements on the debit card as well as paying bills which I have met. Despite meeting the requirements in XX/XX/XXXX, my points have not yet posted. I keep on getting excuses from Citibank about when the points will post. Most recently they told me that my account is missing a XXXX form which I promptly supplied and they confirmed receiving it. I am not getting any replies to secure messages that I am sending them from my online account and the phone agents say they can not do anything about it. I have attached PDF 's from their replies which should explain the situation in more detail.
Product: Money transfer, virtual currency, or money service

I wired out {$22000.00} on XX/XX/2017 from my XXXX account. But it still doesnt show in my XXXX USD Account. I spent plenty of time to contact them by email and calling. But no answer yet. Please help me out what I checked from my bank is it has already been deposited in their bank, please refer to the XXXX # that I got from my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 FIRST INVESTORS FIN XX/XX/2022
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I received a call from my brother informing me He recieved a call from XXXX XXXX requesting that I contact them. I called them immediately and spoke with XXXX the branch Manager. I let him know I was extremely disturbed by them contacting my brother getting him involved in my business especially when the payment was only about10 days late. He proceeded to inform me I was late on my payment and wanted payment today. I explained I was not able to pay today and he demanded it must be paid by XXXX XXXX. On XXXX XXXX XXXX the branch Manager contacted me and I told him I was not able to pay it today and his response was " we don't want your business as you are always a few weeks late on your payments. You need to go to XXXX XXXX XXXX and get the money to pay off your account ". I was shocked when I heard this. On Monday XXXX XXXX I went to the office to meet XXXX and when we met I let him know I felt like he owed me an apology for treating me so disrespectful. He responded rudely and arrogantly stating we expect people to pay their bills on time. I have never been treated so disrespectful by a company that I am doing business with. He did his best to make me feel like a low life bum.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$550.00} ; 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, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act : Account Name : XXXX & XXXX, Account Number : XXXX has violated my rights ; Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights ; Account Name : XXXX, Account Number : XXXX has violated my rights ; Account Name : XXXX Account Number : XXXX has violated my rights ; Account Name : XXXX XXXX, Account Number : XXXX has violated my rights ; Account Name : XXXX  XXXX XXXX, Account Number XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian is hosting false information on my consumer report named XXXX XXXX XXXX XXXX. I have communicated with Experian numerous times expressing damages and harm being done by hosting negative information on my consumer report. Nothing has been done. I have many Exhibits to show where Experian continuously states that the information has been verified, I respond with a request for Verification of debt per 15 USC 1692g, but I am never given a response
Product: Credit reporting or other personal consumer reports

I would like an investigation opened and also file a complaint regarding incorrect information reporting on my credit report. I'm distressed that the credit bureaus have failed to maintain reasonable procedures to assure accurate information is being reported. Credit reporting laws are to ensure that the bureaus only report 100 % accurate information and every step must be taken to assure that. The following information regarding my account is in fact incorrect and needs to be investigated. I would like to see proof of the original signed contract. If documents can't be provided in such timely manner 15 days that will make the agency in violation of 15 USC 1692g.I asked that the account, please be removed from my credit profile. 


XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$1700.00} Balance updated XX/XX/2024 Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Months On record until XX/XX/2030 2030
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX Bank
Product: Mortgage

I was not notified that my escrow account was short or contacted to find a resolution. I found out about the increase of payment when I got an offer to refinance the loan. It went up from XXXX to XXXX, I ca n't make sense of why. I understand that it would go up when the insurance and property taxes would go up. I want to see in black and white why it went up and they seem to be unwilling to explain to where I understand. Part of the problem stems back to the original loan when they did not get a correct estimate on what the taxes would be and based it off of the taxes for the property alone without any buildings on it. If I have got it figure is that they are charging me for XXXX insurance payments and XXXX tax payments plus XXXX PMI and extra for the escrows the reason I believe that is that they added it all to the payment and not to the principal payment. This change and no cooperation is harming me and my family financial.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint to bring to your attention the failure of XXXX to properly investigate a dispute I raised regarding inaccuracies in my credit report. On XX/XX/XXXX, I sent a certified dispute letter to XXXX. In response, I received an automated reply, which clearly indicates that my request was not thoroughly reviewed. It has now been over XXXX months, and I have yet to receive any further communication or resolution from XXXX regarding this matter. 

XXXX 's actions are in clear violation of 15 U.S.C. 1681e, which mandates that " whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, they have not complied with the requirements set forth in 12 CFR Part 1022 ( Regulation V ), which obligates furnishers to : A. Provide information about accounts or other relationships with a consumer that has integrity.

B. Ensure that information furnished about accounts or other relationships with a consumer is accurate.

C. Conduct reasonable investigations of consumer disputes. 

According to the XXXX XXXX XXXX XXXX ( XXXX ), it is also required that consumer reporting agencies adhere to Metro 2 compliance standards when making lawful reports. It is evident that XXXX has not followed these standards or the laws that protect consumers like myself. 

Given their failure to address my dispute adequately, my next step is to file a lawsuit against XXXX. I am serious about holding them accountable for not adhering to their legal obligations, and I request that the CFPB intervene to ensure that this matter is investigated properly. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred my rent payment ( with memo of rent ) via Zelle on XXXX app to my ex roommate with the amount {$1100.00} while she did not pay to our accommodation then took the money back to her country and never replied. I got a Police Report regarding this scam and submitted a claim via XXXX while they were unable to solve this issue, and Zelle said I can only talk to XXXX if the money was sent via XXXX app. There is no way for me to dispute this transaction via Zelle then. I can provide the Police Report as well as the late payment details provided by the apartment have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two collections in my credit report both from the same company XXXXXXXX XXXX XXXX  I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you