23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a {$75.00} prepaid card in XXXX from Myprepaidcenter. I was able to use the card once for a purchase at XXXX XXXX XXXX. Every subsequent transaction is decline at all vendors - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted Myprepaidcenter over the phone and they promised to issue a corrected card on XX/XX/16. I do not have a card and my new card doesn't work. I asked for a check for the balance of a little under {$70.00}. I haven't received either or any follow up communication. 

They do not have a consistent phone number available to contact an agent to resolve this type of complaint and endlessly direct me to the website.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a refund from a Paypal seller and was told it would be processed within 48 hours. On XX/XX/XXXX since I had not yet been refunded I was forced to open a Paypal Dispute XXXX. 

This dispute was closed to to an improper dispute format and had to be resubmitted again as a missing item case. This process took 2 weeks and resulted in my account being debited a negative balance. 

I've tried following Paypal 's format for disputing a transaction in order to be provided with the refund but it now appears as if my account will be sent to collections without being able to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXXthrough XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my Equifax bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX  overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XXXX XXXX  XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX  XXXX in my XXXX for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XX/XX/XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva 's response to XXXX was unsatisfactory. Fortiva 's action lowered my credit score. Fortiva opened a credit card account without my permission. Instead of closing the account, they should have removed the account. Closing the account that I did not authorize reduced my credit score. This is NOT acceptable. The account should be removed as an error. Not shown as an open account that was closed. Again this does not resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX  with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Product: Checking or savings account

Bank promised {$200.00} welcome bonus after I opened a new business checking account over the phone and deposited {$3000.00} in new money. I followed all the terms and conditions and the {$200.00} bonus was supposed to be deposited within 60 days. After 77 days, I still did not receive the bonus. I called in 2 times with phone calls of 41 and 45 minutes. At first they said i did not qualify, Because it was a transfer and not new money. This is not true. It was a check deposited from another bank. They they said it appears that I qualify and the bonus was not applied due to an error and they finally agreed to submit an inquiry and told me to wait another 60 days. 

Account Opened : XX/XX/XXXX {$3000.00} deposited : XX/XX/XXXX XXXX Bank of America : XX/XX/XXXX ( 1.5 hours on the phone )
Product: Mortgage

Company XXXX XXXX XXXX Claims to own my mortgage and falsely has been collecting payments from me for many years. Only recently with a Foresic Loan Audit, I Found Out My Loan has been Paid Off Many Years Ago. 
Nationstar is now Currently Filled to Forclosure on my Home which is Imiminent / Urgent, Which is Paid Off. They Do Not Posses a NOTE or Deed Of Trust. They are Committing Fraud on the Court, As well as Already Filled a Fraudulent Judgement Against Me and Scheduled a Sheriffs Sale Illegally Due To Fraud On the Court. This is an Urgent/ Immiment Matter. Please Assist.
Product: Credit card

On Saturday XXXX XXXX 2016, I went on-line to transfer $ from my TD savings a/c to pay the O/S balance on my TD CC. The payment amount immediately was deducted from my savings a/c, but 2 days later still has not been credited to my CC ... .effectively denying me the use of the at money for 2 days. This appears to be a standard practice of TD, and if applied to all payments, could involve huge sums. TD effectively is using our money, ( overnight money market? ) without our approval. Do all banks do this?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. The inquiry was not authorized XXXX CA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Two my initial complaints to CFPB received two misleading responds to obstruct justice. I am so angry that it is difficult for me to write. Paypal lies boldly and hope that they can be treated above the law and get away with their unfair practices. PayPal continue to keep my money imprisoned and do not allow family and friends option to move money from my account for free. They want 2,9 % to get from me. I never bought anything and never sold anything through PayPal. I just was sending money to family and friends and PayPal try to block MY MONEY. Isn't illegal financial abuse and crime to keep somebody's money for free on hold, blocked from the owner of the money? This message I sent them again and PayPal never answer my concerns. They act like career criminals. I demand sanctions against PayPal. Here is my message to them : I am sorry, I have no trust to PayPal anymore at all. I prefer to have conversation in writing and have on record what power abuse you practicing over my account. 

1. You refused to send money for free through family and friends option.

2. Now you refused to deposit money on my account through family and friends option for free..

3. You refused to send me PayPal debit cash card.

4. You gave me PayPal credit cash back card and after I used it once and pad right away the balance you did not like it and was blocking my attempts to use PayPal credit card anymore.

5. You submitted misleading statements to CFPB to obstruct justice and fair investigation. 

Your power abuse is outrageous and you demonstrate criminal behavior, because it is a crime to imprison somebody else 's money. I will demand for sanctions against PayPal for unfair practices. I am not going to thank you for imprisoning MY MONEY. I am supplying the copy of that message to CFPB.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an account from XXXX XXXX XXXX XXXX that appears on my credit report. This account was fraudulently opened in my name due to identity theft. The details of the account are as follows : - Creditor : XXXX XXXX XXXX XXXX - Reported Balance on TransUnion : {$51000.00} - Reported Balance on XXXX : {$25000.00} In addition to being a fraudulent account, there are significant inaccuracies in the reported balances across different credit bureaus. This discrepancy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports be accurate and complete. 

Under the FCRA, specifically 15 U.S.C. 1681i, I am requesting a thorough investigation into this matter and the immediate removal of this fraudulent and inaccurate account from my credit report. Additionally, I request that you provide me with all information regarding the verification of this account, including the methods used and the parties involved in the verification process. 

To assist in your investigation, I am enclosing copies of my credit reports from both TransUnion and XXXX, highlighting the discrepancies, as well as a copy of my identity theft report filed with the Federal Trade Commission ( FTC ) and a copy of my government-issued ID. 

Please address this matter urgently and provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). Capital one XX/XX/XXXX ( isnt mine ). XXXX XXXX XXXX XXXX XXXX XXXX ( isnt mine ) XXXX XXXX XXXX XXXX  ( isnt mine ). XXXX XXXX XXXXXXXX XX/XX/XXXX ( isnt mine ).
Product: Credit reporting

XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX house.
Product: Checking or savings account

On XX/XX/XXXX ( XXXX XXXX  ) I went to withdraw money from an account my ex-wife and I maintain jointly to pay for my son 's volleyball club fees and expenses. I noticed that a few weeks prior ( XX/XX/year> ) a withdrawal of {$110.00} was made to this account with a description of " Legal Processing Fee ''. 

I called my bank ( M & T Bank ) to report the withdrawal/transaction as fraudulent as that is not something I was failure with. The customer service agent told me it was not a fraudulent transaction but a fee charged by my bank as a result of an IRS action against my ex-wife and that the account was restricted and I could only make deposits. 

I requested to speak to the legal or compliance department, but was told that was not an option. I indicated I was surprised that I never received a notification about the account restriction or the fee, and the agent stated " the bank is not obligated to notify account holders for legal actions on accounts ''. 

I reviewed the account history with the agent showing her that for the past several years the only deposits to the account were from my personal checking account at another financial institution and the only withdrawals were initiated by me for sports related activates for my son. 

Understanding the bank had no way to affect the tax with my ex-wife, I knew there were not able to remove the restriction, and I had other funds available to pay for my son 's club I requested that the bank refund the legal processing fee. The agent said she would not at which time I asked to speak to a manager. The manager also refused to discuss the refund of the legal processing fee. 

When I asked for copies of the legal documents the bank was in possession of, they refused to provide those documents. I also requested a listing of expenses the bank incurred by restricting my account justifying the charge of {$110.00}. This request was also denied. 

My issue is that the account still does not show a restricted status on the online portal, so I have no way of telling when the restriction is removed. Further, I believe a {$110.00} fee to simple restrict an account is unfairly excessive. Lastly, to not have the restriction of the account communicated to me I find shocking. 

I was an ex-employee of the XXXX  having worked there in multiple capacities for over 16yrs. I still have many good friends that work for the XXXX  and left the XXXX  on good terms. All of this makes if more shocking the bank is unwilling to justify the expense or refund the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian account. I can not use it because the site sends me into a continuous loop and there is no one to answer the phone or speak to about it. Because of this I can't cancel or delete the account and set up a new one, so I'm completely locked out. They are an awful company with lousy service and it's impossible to get a credit report.
Product: Debt collection

I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no relationship with this company and did not authorize this inquiry.
Product: Vehicle loan or lease

I previously purchased a vehicle through XXXX XXXX XXXX ( with no contract legally signed by me ) that was later sold and transferred to G.L. Financial. Currently the vehicle has been paid in full, and the account is closed. However, after recently checking my credit report, I discovered one 30-day late payment for XX/XX/XXXX, but the payments for all other months prior all reflect as current/paid/never 30 days late. I contact G.L. Financial on XXXX seeking a one-time " goodwill adjustment '' to my credit report, because I was hospitalized for several weeks and literally fighting for my life due to contracting XXXX, while already having preexisting conditions, such as XXXX. While I was XXXX  and XXXX, my brother was in contact with the finance company, and made them aware of my condition and explained the possibility that I may not recover. They accommodated me during this time and allowed my brother to make payments on his own, although he wasn't able to access my finances to meet my financial obligations, he did due diligence in using his own funds to make sure my auto loan account continue be maintained as best as possible. During this same time as my XXXX, my mother passed away from XXXX and I experienced a delay in being reimbursed from FEMA for her expenses that I had to pay out of pocket. 

Unfortunately the account representative I spoke with at G.L. Financial was unwilling to remove the mark for me, and refused to allow me to speak with any type of supervisor. This negative 30 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. I feel that G.L. Financial never considered provisions and protections outlined under the CARES Act. G.L. Financial completely disregarded The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ) in their refusal to remove one 30-day late payment. As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others, especially since I have met my financial obligations and paid the auto loan off well in advance. I also discontinued legal action that I was pursuing in regard to the illegal contract they purchased from the car dealer, due to my health condition at the time. 

As a result, I would like G.L. Financial to remove the 30-day late payment mark from XX/XX/XXXX and have it reflect as current and okay as all of the others. This issue has created undue situations and has caused my credit score to drop to XXXX and has in part, caused me to be denied XXXX XXXX XXXX to assist with medical expenses for XXXX treatments that are not fully covered under my medical insurance.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating LAW