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

This summer my family will rent a vacation home in XXXX XXXX for a week. The home owner asked me to pay via PayPal, and I happily agreed to do so. I have been a PayPal account holder since 2012, and primarily use the account to safely process online payments, and occasionally to send or receive money from family and friends. 

For the first time ever, when I tried to send money via PayPal to the home owner, PayPal asked for both my social security number and my date of birth. I could not bypass this. I tried to continue the transaction online without any of this information, and then without my social security number but with my date of birth. PayPal would not allow me to move forward. 

I called the PayPal customer service line, for which I had to receive a special one-use-only code. The customer service representative, whose name was XXXX, at first insisted that PayPal never asks for SSNs and said that she thought I was at a phishing site. XXXX patiently walked me through attempting to process the transaction through a different browser and then through a different device. In order to even begin the transaction on my mobile phone, PayPal first texted me another one-use-only authorization code. ( Clearly, they understand and use additional verification methods. ) Yet, the service continued to request both SSN and date of birth in order to make the payment. Finally, XXXX put me on hold to consult someone. Apparently this person informed her that, yes, PayPal DOES ask for SSNs as a form of verification in some instances. And, it *might* be bypassed if the PayPal seller sends me an invoice. 

So, I contacted the seller to request an invoice. He sent me one. When I first attempted to pay it using my PayPal account, PayPal AGAIN asked for both SSN and date of birth. Finally, I copied the link into a different browser and was able to check out as a guest.

My complaints are : First, PayPal should never ask for SSNs. It is not a bank, it is a payment service. There are other, effective ways to verify that someone is who they claim to be. Second, PayPal should ALWAYS train their customer service reps to understand when they ask for verification and why and all the possible ways in which they might accomplish verification. Third, PayPal has a reputation for never requesting an SSN, and the reputation is wrong - if they are not going to take steps to abide by their reputation by never asking for SSNs, then they should be truthful in how they represent themselves and never advertise the idea that they do not require SSNs. In fact, I checked PayPal 's terms of service and never ONCE in the document does it state that they may request a SSN. PayPal needs to stop using SSNs, and also to stop deceiving people.

( Note : I understand that PayPal does have an obligation to report certain information to the IRS and for those transactions needs taxpayer ID numbers, which may be SSNs. This situation was NOT that, not according to their own terms of service! )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

To Whomever This May Concern. The CBE Group , Inc sent a debt collection for a company that I have already disputed as fraud. It was with one company and then sold to another company. It keeps being sold when it has already been determined to be fraud. This account does not belong to me and I want this disputed and removed from under me.
Product: Checking or savings account

On XX/XX/XXXX I received a sign on bonus and expense check from my future employer. I made a mobile deposit to my personal checking account with Chase Bank. The bank notified me that the deposit was received and the funds would be available the next business day XX/XX/XXXX, I received a second notice that a hold was on that check and the funds would be made available on XX/XX/XXXX. I was never given any of the funds from this deposit. On XX/XX/XXXX a letter was written to me from Chase explaining that the check was being returned and the funds were being subtracted. On XX/XX/XXXX my direct deposit was made to the account, a payment was scheduled to be deducted and I had access to some funds that I used to send a XXXX to my husband. On XX/XX/XXXX another deposit was made to my account and a return/refund deposit was made to my account for a transaction requested on XX/XX/XXXX. On XX/XX/XXXX I showed available funds. I tried to use the funds by sending a XXXX but the transaction was declined by sender. I then tried to use my debit card and the transaction was declined. I contacted the bank and the phone system said the same funds I was seeing in my account were available for use. I contacted the customer service and they explained my account has been closed. He transferred me to the specialists to discuss. They said because of the check I deposited on XX/XX/XXXX my account was closed for fraud and funds are not available to be released for 1 business day. I waited the business day and on XX/XX/XXXX I again attempted to access those funds that show available to me. I called again from customer service to fraud specialists and they told me that I could close my account at the branch today and they will disburse my funds. I went to the branch and the teller said the hold prevents her from being able to access the funds or close the account and I need to wait to speak to a manager. I called back again to the fraud team while waiting for the manager and they explained that they have to wait for the hold and all the steps to request the hold removal have been satisfied they are waiting for the computer and it will take another business day. They never gave me any of the money and I cant use the funds from my other deposits even though all systems say it is available.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. This marks my second attempt to address and rectify this matter, as the fraudulent items persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I first discovered the presence of fraudulent items on my credit report. I immediately initiated disputes with your credit reporting agency, providing detailed evidence to support the claims that these items are fraudulent. 

After my initial dispute, I awaited a resolution but received no satisfactory response. Despite the dispute, the fraudulent items continue to negatively impact my credit history, leading to financial difficulties. 

Following my previous attempt, I have made an earnest effort to re-dispute and correct these fraudulent items. I have contacted your agency, submitted additional supporting documentation, and communicated with the creditors involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is crucial for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX MCLART XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Cas app XXXX $ to XXXX XXXX XXXX XXXX {$7100.00}. Not refunded back. an XXXX XXXX XXXX,,,, $ XXXX  XXXX XXXX. Wrong person. Called couldn't refund,,,,, XX/XX/XXXX '' '' XXXX {$2000.00} an XXXX. XXXX XXXX XXXX $ XXXX sent XXXX. XX/XX/XXXX. Sent to wrong person. Didn't realize to next hour. Called said it was nothing they could XXXX XXXX XXXXXXXX {$100.00}. $ XXXX Wrong person cancelled it but went through
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : XXXX reports it as an " Open account. '' Experian reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Open account. " Experian reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : Experian reports " XXXX '' as the account status. 
XXXX and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX and Experian report a date opened of " XX/XX/XXXX. '' XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$2000.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX and Experian report a high credit of " {$2600.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX and Experian report a " Last Reported '' date of " XX/XX/XXXX. '' XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the XXXX bureaus. 
Date Last Active : XXXX and Experian report a " Date Last Active '' of " XX/XX/XXXX. '' XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " XXXX XXXX' ( charge-off ) for all months in the two-year payment history. 
XXXX and XXXX do not provide a payment history for this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i have disputed negative accounts that are reporting on my credit report to XXXX, XXXX and Transunion. The credit bureau claimed that they have completed a reasonable investigation with the furnisher of the accounts and verified that the accounts listed below are 100 % accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 



Report number - XXXX
Product: Payday loan, title loan, or personal loan

When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.
Product: Checking or savings account

This is attached to a previous complaint claim XXXX. Earlier I contacted you for help resolving this complaint. I called you, spoke to a rep that gave me phone # to contact someone at Truist Bank. Called # got voice mail of XXXX XXXX, left voice mails on two separate dates, never heard back from her. Shortly after I received a letter from XXXX dated XX/XX/XXXX that the bank had researched our case once more, still declining the charge on XX/XX/XXXX for {$900.00}. In the past 45 days we received another letter from fraud department that the investigation had been completed and the case was closed. My wife and I never had an opportunity to discuss our issues that she was told she had to have a debit cc for the account. Second, we were in touch with the resort and they asked to speak to someone at the bank, we could never get anyone to cooperate and discuss the fraudulent charge with them. 
Out of nowhere I receive a phone call XX/XX/XXXX XXXX from XXXX XXXX XXXX assistant vp, client resolution senior specialist ''. I explained the details above, she did nothing for us. I inquired why our checking acct money isn't protected under FDIC guidelines, she said it had to do with a debit card. 
I have sent 2 letters " one by certified mail '' to the CEO and have never gotten any response from anyone. For a bank that claims to be customer service driven, I couldn't disagree more!!!!! 
Police report has been filed with local law enforcement if needed for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Equifax had fail to verify accurate information on my credit report I was told today by a supervisor XXXX XXXX  that XXXX XXXX dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.