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

I have contacted PayPal five times regarding my account being permanently limited. On XXXX occasions, the customer service representatives requested an appeal, but all XXXX appeals were declined. On my fifth attempt, I was informed that there is nothing more I can do. Despite providing my identification for verification, I have not received any clear explanation as to why my account can not be reinstated. 

The funds in my PayPal account were intended to pay my fianc 's court fees and bond him out, and due to this situation, I was unable to do so. I have been informed that I must wait 180 days to access my funds, which is causing significant hardship. 

To provide more context : 1. I have been a loyal PayPal customer for several years and have always adhered to the terms of service.

2. The funds in question are critical for legal and emergency purposes, and the delay is causing severe personal and financial distress.

3. I have repeatedly requested a detailed explanation of the reasons behind the account limitation, but none has been provided.

4. I have submitted all required documents for identity verification promptly and accurately.

5. I am seeking immediate resolution to access my funds and understand the specific reasons for the permanent limitation of my account.

I urgently need assistance to resolve this matter and access my funds. Your prompt attention to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The account is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from this account. 

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

There are  XXXX  address on my report that does not belong to me, I 've never lived at those addresses,  XXXX  is a store front property after my investigation.   XXXX  Someone reported this information to the credit bureaus this month and it was NOT me.   XXXX  This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the XXXX XXXX, if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX  punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a validation of debt letter on XX/XX/XXXX it had been 60 days and I still haven't received a response for XXXX  or Equifax. They have violated my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please remove these fraudulent inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Certegy Payment Solutions , LLC, dated XX/XX/2020, informing me of check cashing transactions that were attempted seemingly on my behalf. In this notice, they provide the last four digits of my " Government Issued ID Number '', i.e., Driver 's License, as well as the last four  digits of my Social Security Number as " Consumer Identifiers ''. 

The inquiries noted in this document list tree separate transactions, all dated on XX/XX/2020, for different dollar amounts under {$1000.00} to the following " Certegy Clients '' : XXXX  XXXX, XXXX  XXXX, and XXXX XXXX. I did not perform any of these transactions, nor did I request any other entity to perform them on my behalf.
Product: Debt collection

Credit Report Number : XXXX Date Generated : XX/XX/XXXX Account Name : HUNTER WARFIELD Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Original paid : {$140.00} RE : Payment {$140.00} was made to XXXX XXXX and Hunter Warfield is reporting collection on my credit for {$140.00} for the last 8 months. False reporting on my credit violation of fair credit reporting act. 

Original Creditor : XXXX XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Prepaid card

I received a prepaid Amex card for my teenage daughter to spend for XXXX due to her being on XXXX and not working I have tried to use it everywhere and it wont work anywhere and when I try to use it I get charged like XXXX cents for each use and then get told the card is declined its not working anywhere and Amex wont do anything about it they said for security reasons its being rejected and to try to use it in physical stores and that doesnt work either it doesnt work anywhere and the card is for XXXX dollars
Product: Debt collection

This agency violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by this agencies use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Better Business Bureau ( BBB ), the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this agency ; supporting documentation will be furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of XXXX, TransUnion, and XXXX to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over XXXX XXXX XXXX XXXX 

I have made numerous attempts to dispute the fraudulent collection with TransUnion, XXXX, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of TransUnion, XXXX, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance.
Product: Mortgage

I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.
Product: Mortgage

Fay Servicing is saying I am up to date on my mortgage payments but have a {$15000.00} deficit in my escrow account. My taxes have not gone up and my homeowners policy has only gone up {$1900.00}.
Product: Checking or savings account

I am a single father who opened my account with Trustmark Bank, located at XXXX XXXX XXXX, XXXX, XXXX  XXXX, on or around XX/XX/XXXX. 

On XX/XX/XXXX, I was checking my account when I noticed an unauthorized charge of {$890.00}. I did not know what this charge was for. The funds in my account were my rent payment and money for gas. 

I contacted the Trustmark Bank at XXXX XXXX and spoke with XXXX XXXX. Ms. XXXX informed me that the XXXX Dept of Revenue had seized my money. I did not know why. She told me to contact the XXXX  Department of Revenue to find out why they took my money. I asked her how did they even know my bank account information. Per Ms. XXXX, the XXXX Dept of Revenue is  allowed to give the bank social security numbers and have the bank run the social security numbers through their system, and all banks, to find out if people have accounts. I had never heard of this practice. It sounds illegal and a complete violation of privacy and the trust that we the customer put in the bank to safeguard our information. Trustmark Bank went behind my bank to run my social and give this information to the XXXX  Dept of Revenue. I was a XXXX  Resident that had lived in the State of XXXX  for almost a decade and my account was opened at a Trustmark location in the State of XXXX. 

My sister contacted an Attorney in the Legal Department for the State of XXXX  who informed her that years ago XXXX  passed a law that requires all banks that operate within the borders of XXXX XXXX secretly run the social security numbers of private citizens to see if they have accounts. The Attorney stated that this did not apply to banks 'outside of XXXX  '. 

When I contacted the XXXX Dept of Revenue I was informed the seizure was related to past due taxes from XX/XX/XXXX and XX/XX/XXXX. The XXXX Dept of Revenue stated they had my old XXXX XXXX address and could not reach me. 

Yet a simple XXXX search pulls up my address. 

I had been a resident of the state of XXXX for almost a decade. My bank account was opened in XXXX. 

The XXXX  law should not have affected me as my branch is in XXXX. 

I was also not given proper notification. 

Trustmark Bank violated my privacy and trust by running search of my social security number through their system for the State without any notification to me. 

This allowed the State of XXXX  to violate my due process by seizing my account without notification to me to allow me to remedy the situation. 

The state of XXXX  had access to my correct address because this was on file with Trustmark Bank. Why did the state not request this information since they have the power over Trustmark to demand they do illegal social security searches without the customers knowledge? 

The funds that Trustmark Bank conspired with the State of XXXX  to have seized were critical funds for me. They are my rent payment and gas costs. Without rent I risk eviction and without gas I risk job loss. This was wrong. 

I seek a remedy.
Product: Credit card or prepaid card

On XX/XX/2020 I reached out to the customer service team of Discover Financial Services through its in-app messaging function. The purpose of this communication was to consolidate my two Discover credit cards - my exact words were " Hi, I would like to combine the credit line on my two accounts, and close out the older one ''. The customer service representative who responded to my request was XXXX in XXXX XXXX XXXX. She asked to confirm the last four numbers of the account I wanted to close, which I then provided. She then closed out the account immediately without confirming details about the credit line transfer. It was only after she closed the account, and after I inquired again about credit line transfer, that she told me that she was not able to do that. She insisted that I never mentioned anything about combining credit lines, and the account was closed at my request. That was completely untrue, and I am disappointed by how incompetent and dishonest this service representative was. Not only did she lie about my initial request ( which has an electronic trail and can be easily verified in the messaging function ), she closed my account without consent which is a serious violation of my right and has irreversible impact on my credit score. Her incompetence and subsequent inability to take responsibility for her mistake is completely absurd and unacceptable. I hope Discover Financial Services will rectify this situation to reinstate my faith in using your services in the future.
Product: Debt collection

This charge was assumed from XXXX which was for a purchase that I never made. I protested the charge with XXXX  several times and filed a police report. The charge was even made without the use of my credit card. Someone used my name and the store clerk looked up my account number and allowed the charge to go through. 

I have also protested to the credit reporting agencies to no resolve. I am asking for this to removed from my credit reports as it is identity theft and XXXX XXXX  has not responded appropriately. 

XXXX XXXX  {$470.00} XXXX  Suggested Account # XXXX Status Original Creditor COMENITY BANK Creditor Type Collection services High Balance {$470.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX Remarks Completed XX/XX/XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Completed XX/XX/XXXX I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit card

On XXXX XXXX, 2012 a line of credit was opened in my name and within several days I received a Wells Fargo " Platinum Card '' credit card in the mail with a line of credit shown to be {$5000.00}. I did not formally ( nor informally ) request an application for this card or apply for it. However, I did receive a " cold '', unsolicited phone call from a Wells Fargo Representative either on, or several days before XXXX XXXX, 2012 during a time which I was at work. I answered the phone because it was a number I did not recognize, and explained to the representative that it was during the work day and therefore not a convenient time for me to talk. The Wells Fargo representative asked if he could " send me some information ''. I told him that would be fine, and hung up the phone. Several days later I received a physical credit card in the mail with additional information about my new " account '' which as I mentioned I had not applied for. I also noticed the new credit account show up as a new line item in my online banking interface, alongside my other Wells Fargo accounts ( at the time, only XXXX debit account and a savings account corresponding with the debit/checking account ). After receiving the physical credit card in the mail, it sat idle and I did not activate it until XXXX XXXX, 2012 ( due solely to the fact that I was planning an trip abroad later that month, and felt it would be helpful to have a line of credit to fall back on should any emergencies arise ) -- This credit card I received from Wells Fargo was my first generic " credit card '', and prior to then my only credit card accounts were XXXX and XXXX XXXX branded cards, and an XXXX XXXX XXXX XXXX XXXX ( no line of credit, just a charge card ). All of that said, I have used the card since having activated it, but have always felt unsettled by the fact that I never requested it, and frankly was entirely baffled as to how this could have happened. After hearing about the recent allegations yesterday on the news outlining circumstances which sounded very similar, I wanted to share my story. At the very least, I take solace in knowing my experience was not an isolated issue. I plan to look into this further and obtain any other pertinent details ( for example, who exactly called me and why this occurred ). I would greatly appreciate any further clarification, potential resolution, or to be pointed in the direction of someone designated to assist with this particular situation. I am a resident of New Jersey, so if there are state resources I can contact I am happy to get in touch.
Product: Debt collection

This company has continuously called me on two different phones. They call over 3 times a day on each phone. So this would be 6 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

bought a XXXX mazdaXXXX XXXX XXXX XXXX XXXX this engine has a known issue for catastrophic engine failure they will not add my year model in a lawsuit i purchased with warranty that was denied as well as gap insurance along with the mechanic who does not know what happened to my car i owe for the loan and i should not be responsible for any of this I've done all i can do after trying im exhausted no help from anyone and dont know where to turn I've call all of the above and lawyers i want this loan refunded taken off my credit and payment refunds i had this car 5 months before it quit out of no where mazda has known this is a problem the car never should have been available for me to buy mazda has hid the fact that this engine will fail and has opted out of doing a recall and has been covering up this and other issues every glitch mazda is being sued for was an issue in my car i worked so hard to buy that car i spent my last savings on the down payment at XXXX yrs old this was my biggest accomplishment i was denied for every loan i ever tried to get up until this point. i had just gotten a job finally working in my career field after i come from not having a car no degree and a life of XXXX XXXX driving off the lot in that car was the proudest moment of my life. when the car quit with no warning i could not even get to my first day at work. this coverup by Mazda has catastrophically taken its toll on my ability to take care of myself i have no money barely making it cant get anywhere i have to get a ride from my mom i haven't had a job offer since and that was my first job offer in my career field i graduated college to get i have literally suffered due to mazdas inability to be truthful and I've exhausted all of every resource i had to pay my bills and now have to turn to XXXX XXXX to survive. XXXX XXXX  by this and completely XXXX  and dont have a clue what to do or how i am going to pull myself out of this sink hole that i 100 % blame mazda for period.