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

Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. 

My account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX  ( 12 U.S.C. 5481 ). 

Having thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. 

PayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. 

I beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. 

I stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom it may concern, I am writing to XXXX  to the negative marks you have made on my credit file. I would be willing to accept the debt if it were mine and upon Valuation and Proof of Claim it is not mine. And there is no way you can validate it. Im sure you are aware of the Provisions of the Fair Debt Collections Practices Act so let it be known that I am requesting full validation of this debt. XXXX requested proof that I am intake party that you are asking to pay this debt. And the there is some contractural obligation which is binging me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes as legal validation here is a list of documents Date of last activity My completed social Security number That may help identify me as the person you are trying to collect from The agreement that bears the signature of The alleged debtor wherein he agreed to pay the original creditor The obligation between you and I to collect and transaction that binds me to an agreement to pay your company any claim that I owe.

Proof of identification state id drivers license that was presented at the time of this debt Letter of sale agreement from the original creditor to your company I look toward to a uneventful resolution of this matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXXXXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4 . XXXX XXXX XXXX 5 . XXXX XXXX XXXX XXXX Equifax 6 . XXXXXXXX XXXX XXXX Equifax 7 .  XXXX XXXX XXXX XXXX 8 . XXXX XXXXXXXX XXXX XXXX Equifax 9 . XXXX cred- XXXX XXXX 10 . XXXX XXXX XXXX 11 . XXXX XXXX XXXXXXXX XXXX 12 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXXXXXX ACCOUNTS NUMBER XXXX AND XXXX  ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX  and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me a great amount of stress and is slowing down my process of getting a home. Its been over 45 days and i haven't gotten any results back.
Product: Checking or savings account

I bank with Bank of America foe receiving royalties via EFTs depositing to my account from XXXX XXXX XXXX XXXX, XXXX and XXXX. Its all one long named elusive situation that needs to allow the author the ability to see transaction, Instead the author has to check a royalty page that is not good ledger record keeping of transactions, even the failed. There is no record of EFTs that have deposited and been returned, there is no record of XXXX payments deposited or returned. There is no record of XXXXXXXX XXXX XXXXXXXX deposits or returns of ETF or any other parties that may have associated royalty transaction records. And get this the author is paying for all these transactions with no itemized record of EFT transactions from his royalties or from the bank, unless possibly requested. Seriously CFPB needs to get publishers and bank to give the lowly author an account of transactions being priced with fees that no one can produce on an itemized regular basis. The author could be charged and no one never brought it to their attention. As a matter of fact the author could be charged by the Publisher and the bank. Transaction as well as payments should be accounted for to track fees and payments for both big entities siphoning money from authors. there may even be tax implications hidden in unrecognized fees and hidden to writers, some not well versed, such as self publishing ones. Transaction accountability of at least how many should be reveled in the record of publishers royalty statement as well as payments, if not what was returned monies/royalties without the author ever knowing. Banks could make agreed millions from royalty transaction fees paid by authors that never received a dime. 

So I would like an account of all transactions and fees from and to XXXX XXXX XXXX XXXX - XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX - And XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and others including Distributors. Also, I would ask the publisher/distributer please give an indication of who they are as specifically as possible involving EFTs because often the parties use general terms and code that the author/writer/consumer reading their statement can not identify the royalty related companies name for transaction. This is a wild out of control set of records concerning money and transactions should be the main record as well as payments received, returned, voided and failed EFTs. Someone could be robing writers for years. I need the EFT records of transactions and fees of these XXXX to XXXX if possible. I want these factors noticed because there are too many possibilities consumers could be getting ripped off by publishers and distributers for years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The removal of this inaccurate public record information from my credit report.
Product: Credit reporting or other personal consumer reports

I called multiple numbers and calls was disconnected with no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 

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

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

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

I am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud Moneylion account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all XXXX credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against TranSunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TranSunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Equifax,   XXXX    &   XXXX  in regards to verifying the reported Bankruptcy  XXXX  account Case or ID #  XXXX .  XXXX  and  XXXX  has not responded on this dispute and it has been over 45 days. Equifax sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that Equifax feels that they can use a third party  and not even be sure on the information they are reporting? It is not right and its unfair to me.
Product: Money transfer, virtual currency, or money service

I sent {$160.00} to an individual for resume services. The person did not complete the required services and has now blocked me on social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBC INNOVIS RAN ME XXXX IN ERROR. SOFT ONLY
Product: Credit reporting or other personal consumer reports

Datax consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Experian XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX {$200.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


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

i am currently reviewing my Experian Credit Report and there is an address that I would like to have added to my credit report. 
Below is the address and telephone number that I would like to have added to my Experian Credit Report : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked that these be removed XXXX ago without a response.
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. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XX/XX/2020 I tried to close my account with paypal.com and they would not allow it there is no way for me to get my money from the account because they will not offer me any options to do so. This is theft.i have tried to get my money and close the account since XX/XX/XXXX but every attempt i make they wont help
Product: Credit card

Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.
Product: Credit card

I believe that CitiBank, which services Macy 's American Express card, violated my rights under the Equal Credit Opportunity Act due to gender and race discrimination. My account has been locked down several times since XX/XX/2024, due to Citi 's discriminatory actions taken on my account. It is my contention that Citi deliberately engaged in discriminatory practices and perpetuated derogatory stereotypes regarding XXXX  individuals and XXXX, attributing them to criminal activity and fraud. Multiple times during the month, the bank imposed more stringent criteria on my account, including the requirement for additional information and the placement of a restriction on the account. I was advised in early XXXX that my account was blocked and to await a letter with a reference code. I called with the reference code from the letter dated XX/XX/XXXX, where I went through a complete verification of information, transaction history, payment history, contact information, etc. Several days later, my account was blocked again, and I was told that another letter was being sent out. I received the second letter and called on XX/XX/XXXX with the second reference code. I repeated the same verification process. On XX/XX/2024, my account was blocked for the third time, and I was told to wait for a letter in the mail. I explained that I had previously verified all information on my account from previous reference codes and that I needed to use my account. I couldn't understand why they couldn't use previous verified contact information, but they said that my account would remain blocked until I received a letter. I called repeatedly after XX/XX/XXXX because a letter was not being sent to my home and I was still unable to use the account. I received the letter XXXX weeks later after calling multiple times to inform the department that I hadn't received a letter. On XX/XX/XXXX, I called with the reference code dated from the letter of XX/XX/2024, and verified the information once again. The representative told me that my account was unrestricted and I was able to use it. I charged a transaction for {$29.00}, which was my XXXX monthly subscription, on the same day. The next day, my account was blocked again, and I was told that I would receive a letter with a code in the mail. The previous representative did not add my authorized user to the account or make any changes to my account from the call initiated on XX/XX/XXXX with the reference code. I believed the bank discriminated against XXXX  people and made me feel that my identity was not valid. Despite having all the necessary documentation and reference codes, they continued to question my identity and treat me differently. This experience has left me feeling marginalized and excluded from XXXX XXXX XXXX, as I was not able to use my credit card for almost XXXX  days and am still unable to.
Product: Debt collection

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XXXX  2023. The accounts in questions are as follows : 1. Transworld systems Inc I understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.