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

Subject : Complaint Regarding Unjust Permanent Limitation of PayPal Account ( XXXX ) I am writing to formally lodge a complaint against PayPal regarding the unjust and unprofessional permanent limitation imposed on my paypal account ( XXXX ). 
Despite providing all requested information and documentation, my account was permanently limited without any clear explanation or adequate processing of my submitted information. 

On XX/XX/year>, PayPal requested that I verify my account by submitting specific information. I promptly complied and provided the necessary documentation as instructed. However, after this submission, my account was permanently limited. This action appears both suspicious and corrupt, raising concerns that it may be an attempt to unjustly withhold or misappropriate my funds.

The lack of transparency and failure to process my information adequately have caused significant distress and inconvenience. I have attempted to resolve this issue directly with PayPal but have not received a satisfactory response or resolution. 

I respectfully request that the BBB intervene to assist in restoring my PayPal account fully and ensuring that my funds are made accessible to me without further delay. This matter requires urgent attention, as it impacts my financial well-being and trust in the services provided by PayPal. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have supplied an Affidavit to Experian and have not received a proper response. I requested Validation Pursuant to 15 USC 1692g. I have not authorized nor benefited from listed account. Block and Remove.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

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VLEVATE RECOVERIES Llc MADE GAVE ME FALSE INFORMATION ABOUT A MEDICAL DEBT. THEY WERE A SCAM THEY NEVER SENT ANY VERIFICATION OF THE DEBT. THEY NEVER SEND ME THE VERICATION NEVER SENT ME A RECIPEPT FOR PAYMENT THEN AFTER I HAD MADE 2 PAYMENTS TO ELEVATE RECOVERY THEN A NEW COMPANY REPORTED THE A NEW SAME INFORMATION ON MY CREDIT REPORT WITH OUT CONTACTING ME
Product: Credit card

Home Depot, has charged off this account, and has not sent me a 1099 C.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent Self/XXXX XXXX a notice to opt-out of credit reporting.
Product: Checking or savings account

Accounts opened under name and social in the state of Florida, flag for fraud as these accounts do not belong to me. Personal information compromised due to theft/Home robbery.
Product: Money transfer, virtual currency, or money service

I was involved in online romance scam starting XX/XX/XXXX. This guy named XXXX XXXX XXXX ( fake name ), was in XXXX XXXX and needed money to get out. Asked me to send the money with four different account in cash from the date of XX/XX/XXXX to XX/XX/XXXX. I sent cash as he said it is urgent and cash works the best and faster to save his life. After I sent money, this guy kept asking more and more money. Then, I realized I got scammed. I went to the Wells Fargo Bank branch XXXX XXXX and asked to freeze their account as they took my cash under false pretense. I asked them to reverse the money as they are online predators and criminals. But, the bank told me they can not reverse the money without the account holders consent which they are not going to as they are scammers they already got my cash money. At this point, I think Wells Fargo Bank is harboring criminals doing online scamming and money laundering. I have all the evidence and the money transferred receipt. Despite of that, Well Fargo Bank is not willing to reverse the money. Please help. I try to reach out to attorney general of Nevada, police, and FBI, as well as lawyers. But, no one is willing to help.
Product: Money transfer, virtual currency, or money service

I had a customer who made two payments through my chase banking app WePay and both were made using the same card for the exact same amount. One on the XXXX of XXXX and the other on the XXXX. The first transaction on the XXXX was processed and available the following day. The second transaction on the XXXX was processed and chase received their fees out of the completed transaction but the payout to my business checking account was flagged and my account was deactivated. The funds are being held by chase for 120 days. I've contacted every department that would listen as has the customer and neither of us can seem to recover the customers money and now this failed transaction has cost me way more than just this one job it's been several missed days of work and several days of dealing with them to no avail. I also lost several clients and potentially hundreds of thousands in work. They couldn't give me a reason this even occurred and even if they did an exact identical transaction occurred on the XXXX without a hitch. Even if they believe there was reason to flag this transaction why wouldn't they return the funds to the purchaser whom the money belonged. This can't be legal and definitely not ethical. It seems to be a case of a large financial institution bullying the smaller businesses and wrongfully holding money for their benefit because nothing explains their procedures of holding funds from both parties. Who are these procedures in place for when both parties are penalized for no apparent reason meanwhile Chase bank holds the customers money against their will and makes you jump through so many hoops that by the time they do release the money it already served it's purpose and they get rich while bullying small business into closures and nobody thinks they can do anything to stop them. I researched the matter and there's thousands of small businesses that Chase bank has done this exact unethical treatment to and illegally hold funds for 120 days without giving any details as to why. It appears this is common practice at this establishment and is avery disturbing to the people who even hear that this is being done
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( XXXX and TransUnion ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter.

I am currently a XXXX XXXX ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.
Product: Consumer Loan

On XXXX XXXX, XXXX my car was repossessed for defaulting on my contract I signed on XXXX XXXX, XXXX. After my car was repossessed I received a 'notice of right to redeem ' from Honda Financial dated for XXXX XXXX, XXXX, I also received a separate 'notice of our plan to sell property- private ' notice date of XXXX XXXX, however, the notice did not provide a date, time or place for when the vehicle would be sold. The notice indicated " that it would be sold sometime after XXXX XXXX. As per New York state laws, I have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made. I was not afforded that right to participate in the sale of my vehicle. The last notice I received from them was dated XXXX XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX '' which summarizes the sale of the car and fees and amount owed. My rights to redeem car under state law was violated, I do not believe that lender sold the car in a commercially reasonable manner. I had also filed a complaint with the Better Business Bureau on XXXX XXXX, XXXX regarding my personal property that was in the vehicle at the time it was repossessed that was withheld from me. I received a response notice and was told by the XXXX XXXX that the recovery agent had a right to charge me a fee for retrieving my personal property after such the property was sold with my vehicle. I had electronics and other valuable items totaling over {$7000.00} in the vehicle that has not been accounted for. As per the New York Attorney General office, they did not have a right to refuse me my personal items and charge me a fee to retrieve them, as there was no security interest with them. I am therefore charging the Finance company for the stolen items. The recovery agent did not have a detailed or itemized list of every item in my car and could not account for the items that were in my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1985 XXXX XXXX XXXXXXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit report from Discover Bank that I did not apply for. In fact, I was not even in the country when this account was supposedly applied for and used. 

XXXX XXXX # XXXX
Product: Credit card

On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. Thank you.
Product: Vehicle loan or lease

I SENT THIS COMPLAINT TO MULTIPLE AGENCIES AND IM JUST NOTIFYING YOUR OFFICE ABOUT THEIR PRACTICES. I AM ALSO A 100 % PERMANENT & TOTALLY XXXX VETERAN. THEY HIT ME WITH A 12.57 % LOAN OVER 75 MONTHS. THIS LOAN IS THROUGH XXXX. 

I am writing you because of the used XXXX XXXX I financed on XX/XX/2020 from the XXXX XXXX, NY XXXX dealership. I will also be contacting the XXXX, FTC and the New York AG office. 

How I found out about the XXXX XXXX XXXX dealership was through a postcard I received from them. This postcard was an attempt to solicit business from unsuspecting and recently bankrupt individuals. A practice that I have come to find out is unethical and just plain wrong. 

Anyway, I was lured into the dealership with the postcard and too good to be true offers. An outright bait and switch was pulled on me by these shady used car salesmen. 

I wasnt shown any vehicles, but the one Im in now. It was basically rammed down my throat with strong-arm tactics, as they quickly removed my plates and whisked away my original vehicle. Which was only supposed to be an appraisal for trade in. I informed them that I could not afford anything other than {$300.00} a month and was assured that I would receive such a deal. The finance manager XXXX even came running up to me to tell me what a great deal he got me. Then roughly an hour later and after all motor vehicle and insurance transfers were completely, the same sales manager strolls up to inform me that he made a mistake, that he was looking at the wrong paperwork. The bait and switch! No, my new car payment would not be what I could afford at {$300.00} a month. It was now {$500.00} a month with no veteran discount that I was told I receive. Also not to mention a nice and high apr too. I was told Id be taking care of. Yeah, I was taken care of alright. 

Now almost a year later I have dumped thousands of dollars into this lemon. From breaks that were not changed out, fuel injectors that were no good, to replacing the malfunctioning air conditioning. Which I found out in this warm weather wasnt working. 

Today was the last straw and why I am finally contacting you. You see, Im not an easy person to XXXX off. So I let a lot of things slide. Anyway, today as I was driving with my mother and my son for a day out in the nice weather the vehicle just loses power right on the busy XXXX XXXX XXXX. In XXXX XXXX traffic and stalls out. More money down the drain coming my way. 

I am absolutely disgusted and outraged by all that has transpired this year. But XXXX also embarrassed that I allowed myself to be taken advantage of by these people. I know that I can not be the only customer complaining about this dealership. They need to be investigated and shutdown. 

I am demanding and expect nothing more than that XXXX  XXXX  XXXX  replace and refund me for all my trouble and quite frankly, emotional damage. As I stated, I am embarrassed and disgusted! Nissan should be ashamed to allow this dealership to operate with their brand name. 

Respectfully, Mr. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).
Product: Debt collection

XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Robinson Hoover XXXX XXXX ( All attorneys in the Robinson Hoover XXXX XXXX XXXX XXXX ). Did not tell the court or Consumer Financial Protection Bureau. That all parties listed above, Failed to provide title within 30 days. The vehicle was returned and they still did not provide a title it's not a voluntary repossession you never picked up the car The car was delivered on premises at the dealership XXXX XXXX XXXX XXXX XXXX. Still collected money even though they know that they sold vehicle that is a lemon. Knowing that the vehicle can cause death or injury. XXXX is also liable for the vehicle that is defected and dangerous to drive. And their participating in a conspiracy to the commit murder, attempted murder, aiding and abetting, lying, abusing laws and trying to get me to pay for something that I'm not going to pay I never will I do not owe anything. They are dishonest people committing several crimes against me and justice will be served and I will be compensated I'm not going away until justice is served and I'm compensated with the number that I agree with. They need to be prosecuted in sentence to the XXXX XXXX and held liable. They keep changing numbers and trying to fabricate paperwork that they know is not true.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Money transfer, virtual currency, or money service

XXXX tax return payment was given to Credit Karma but I dont recall where I agreed to it on XXXX XXXX When money was deposited on XX/XX/XXXX I was unable to link to my bank account. It allowed me to login to my checking account and showed my balances but would not link to transfer money from Credit Karma to my bank. Repeatedly called and emailed customer service but they were unable to resolve the issue and I was told I could only access my money from their card. I was forced to activate the card to use my money and have no way of taking it all out of the account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Credit Reports To Whom It May Concern : I am filing this complaint against Equifax, XXXX, and XXXX regarding unauthorized inquiries on my credit reports that I have repeatedly attempted to address without resolution. I believe these unauthorized inquiries may be connected to a data breach in which my personal information was exposed. I filed an FTC Identity Theft Report ( Report XXXX : XXXX ) to document this breach. 

Background : Upon reviewing my credit reports, I noticed several inquiries that I did not authorize. These inquiries have negatively impacted my credit score and financial standing. I have sent dispute letters to the credit bureaus, outlining the specific unauthorized inquiries and requesting their prompt removal. However, my attempts to resolve this issue through phone calls have been unsuccessful, as I was unable to get a representative on the phone. 

Details of Unauthorized Inquiries : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : XXXX. Sent dispute letters to Equifax, XXXX, and XXXX requesting the removal of unauthorized inquiries. 
XXXX. Filed an FTC Identity Theft Report ( Report XXXX : XXXX ) due to the exposure of my personal information in a data leak. 
XXXX. Attempted multiple phone calls to the credit bureaus but was unable to reach a representative. 

Resolution Sought : I request that the CFPB investigate this matter and ensure that Equifax, XXXX, and XXXX take the following actions : 1. Remove all unauthorized inquiries listed above from my credit reports. 
XXXX. Implement measures to prevent further unauthorized access to my credit information. 
XXXX. Provide confirmation in writing once the inquiries have been removed. 

I appreciate your attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit reports. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Email : XXXX -- -
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove the following account ( XXXX ) : XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Hello, This company Cash Factory USA stole {$1400.00} from my personal bank account for a loan I never applied for or initiated a application for. This company has yet to resolve this concern with me directly. I never agreed to take out a loan from this company called Cash Factory USA nor have I ever heard of this company before. The company has failed to respond to me and has done nothing to assist me. 

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

I have submitted a complaint to Experian with regards to an accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Experian with regards to this account. Please remove the following account from my credit file : XXXX XXXX XXXX XXXX - Opened XX/XX/2011 XX/XX/2011
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update/remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed/delete as soon as possible. 
XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

My CD account at Marcus Goldman Sachs reached maturity last week, I did let them know in advance, in writing/on their website, that I no longer wanted the funds to be there, Instead, I wanted the funds to be transferred to another financial institution, XXXX  XXXX to be precise, which happens to be linked to Marcus already XXXX for the purpose of transferring moneys. 

Marcus GS is not transferring the money in a timely fashion as they were supposed to, and now I am wasting time trying to contact them, and also wasting the interest money that I could be making at XXXX XXXX. Today I called again, after chatting online with no results, I asked to speak to a supervisor and the line was " mysteriously '' disconnected. I tried again later and the same story! 

I think their whole approach at Marcus GS is rather irresponsible and careless, not to mention unprofessional and unethical! 

Whenever I call Marcus I usually have to wait for a while to talk to an agent, and then when I finally do, no one there seems to know exactly why they are delaying a simple transaction that should have been done relatively quickly. Security is not and issue, to make sure of it, I contacted XXXX XXXX  today, and they assured me everything is and has been in order for them to receive the funds from Marcus GS. 

Feel free to ask any questions you'd deem suitable to resolve my case. 

XXXX XXXX XXXX XXXX XXXX