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

On XX/XX/year>, PayPal unexpectedly limited my account 's ability to send and withdraw funds without providing a clear reason. They requested that I submit various valid documents, including my National ID and proof of residence. I was unable to provide a bank statement since I haven't opened a personal bank account yet ; instead, I send money directly to my brother 's bank account. After explaining this to one of their online agents, she assured me that this would not be an issue and said she would submit a ticket explaining my situation. 

I have {$120.00} in my PayPal account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided proof of these earnings when I submitted the required documents. Despite my compliance, PayPal permanently limited my account, preventing me from accessing my funds. Following this restriction, I was unable to contact any agents to inquire further and received no response to my emails requesting clarification. 

2 weeks later after filing my complaint to CFPB, PayPal informed me that the limitation was due to an alleged attempt to create an additional account to bypass the restriction. I want to emphasize that I did not create any new accounts. There would be no benefit to doing so, as creating additional accounts would not help me access my funds. 

If there is any confusion regarding an account with the email XXXX, this is my brother 's account ( XXXX XXXX XXXX XXXX ). His account was also restricted recently without clear reasons, despite his compliant use of PayPal for over a year. His account was created a year ago and has no connection to the limitation placed on my account. 

Given these circumstances, I am requesting a detailed review of my case and the decision by PayPal to limit my account. I have adhered to PayPals guidelines, and there must be an error or misunderstanding leading to this situation. Holding my funds for 180 days is especially unfair, as I am a college student who relies on these earnings to meet urgent financial obligations. 

Despite raising this issue with the Consumer Financial Protection Bureau ( CFPB ), the response I received reiterated PayPal 's stance that I created an additional account, and that their decision was taken in good faith. However, I must stress again that I did not create any new accounts, and I believe there has been a mistake. 

I hope for a thorough review and resolution of this issue to regain access to my hard-earned funds.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 XXXX XXXX accounts that are showing XXXX accounts that are negative ) yet it shows paid as agreed. First off they are reporting 2 XXXX XXXX cards with 2 different account numbers with the same credit limit. This is a duplicate. There should not be 2 XXXX XXXX accounts reporting as negative. My other issue is if it stating pays as agreed and account is current then this account should be under accounts that are in good standing. Having this wrong information reporting is affecting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your bank of an application submitted to TD Bank XX/XX/2019 using his information without his consent. An inquiry was made into his XXXX  credit report based on that application. An account was established based on that application. TD Bank was first notified of this fraudulent account XX/XX/2019 via a phone call and my client was told not to worry that TD bank was going to address this issue as fraudulent. An official dispute of this account was provided to TD bank XX/XX/2019 however my client received a bill from TD Bank concerning payment for this fraudulent account. This is a known fraud issue and by law, FDCPA, TD Bank CAN NOT attempt collection effort of communication with the client until an investigation has been conducted. 
Currently TD bank is in violation of the FDCPA and the FCRA.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX
Product: Student loan

I have been on the income based repayment plan since 2010. I have re-certified on time when information was requested. Recently you are able to log into the student aid portal. There was an issue with the IRS site and it allowed me to complete the re-certification. On XX/XX/XXXX, I received an email stating that my request was incomplete so I sent my income tax return to them. This is not the first time that I have had trouble with AES removing me from my IBR and I want them to verify the start date of my plan, and if the terms are 20 or 20 years. How many years that I have remaining. 

They have sent my information to a collection agency, which I want this information removed, and any negative credit reporting corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX and XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit reporting or other personal consumer reports

I dont recognize the charge from this company and its on my credit report Ive never used these services.XXXX XXXXXXXX XXXX and SYNCB/AMAZON
Product: Credit card

I was charged an nsf fee because they allowed a transaction to go through when the funds were not available. The charge has not posted to my account as of yet, still pending and still charged me a fee.
Product: Credit card

A few months ago I prepaid two of my Chase credit cards in order to lower my credit utilization and up my credit score. It worked and my credit score went up to XXXX, but then Chase said they will send me a check for the overpaid amount. Total {$2100.00}. The time came and went, no check ( s ) in mail. I inquired on the Chase card website twice, no reply. Please help me to get my money back. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.
Product: Credit card

My credit card was fraudulently charged for several transactions that I did not authorize. These charges were not made by me, nor did I give anyone permission to use my card. I live in XXXX XXXX, XXXX, but the transactions occurred in Texas, a state where I have no personal or business connections. 

The fraudulent charges are as follows : XX/XX/2024 : {$200.00} at XXXX in XXXX XXXXXXXX XXXX ( store # XXXX ) XX/XX/2024 : {$200.00} at XXXX in XXXX, XXXX  ( store # XXXX ) XX/XX/2024 : {$1.00} at XXXX  XXXX - XXXX XXXX XXXX in XXXX XXXX, XXXX I have disputed these charges with my bank three times, but each time my claim was denied. The bank claims that my PIN was used for these transactions, but this is impossible as I was not in XXXX at the time, nor did I authorize these purchases. I have requested detailed information about these transactions, including the specific locations and transfer details, but the bank has not provided this information. 

I am seeking CFPBs assistance to resolve this issue and help me get a refund for these unauthorized charges.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the XXXX items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Teletrack for failing to address inaccuracies and fraudulent information in my consumer report. As a victim of identity theft, documented in an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ), I suspect my file contains fraudulent data that has adversely impacted my financial standing. 

In [ XXXX ], I requested a copy of my consumer report from Teletrack to review and dispute any inaccuracies, as allowed under the Fair Credit Reporting Act ( FCRA ). Despite my request, I have not received my report or any response confirming its processing. This lack of action has prevented me from verifying and disputing potentially fraudulent entries.

The fraudulent activity includes unauthorized accounts, addresses and inquiries by companies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX Bank, and XXXX, which were opened using my Social Security number without my consent. These entries, along with unauthorized addresses, continue to cause harm to my creditworthiness and financial reputation. 

These inquiries were made fraudulently using my Social Security number, drivers license, and date of birth, which were compromised in the XXXX data breach. These fraudulent applications were not authorized by me and are the result of identity theft. 

This situation has caused significant financial and emotional distress. I am forced to monitor my credit constantly across multiple agencies, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and Teletrack. The unresolved inaccuracies and lack of action from Teletrack exacerbate the burden of recovering from identity theft. 

Additionally, the fraudulent entries have negatively impacted my XXXX XXXX, further affecting my ability to obtain credit or favorable financial terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out papers to the 2 credit bureaus ( Transunion & XXXX ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.
Product: Checking or savings account

I try to send a gift card in my chase online banking and then a XXXX transfer to the same person but they cancel and block my online access I call to try to fix it but they ask me for a social security number and I don't have XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

# 1. I declared chapter XXXX bankruptcy in XX/XX/XXXX and was granted bankruptcy by the court in XX/XX/XXXX. My private student loans for Peaks Private Loans were included in that bankruptcy. Peaks loans was notified by me of my bankruptcy and I'm sure the court as well. 

# 2. In XX/XX/XXXX, after receiving phone calls from Peaks, I informed my attorney, who contacted Peaks on my behalf to end their phone calls. It worked, at least temporary. 

# 3. I attended XXXX XXXX XXXX from XXXX to XXXX, graduating in XX/XX/XXXX. Even if my loans with Peaks were not wiped clean as part of my bankruptcy, in XXXX of XXXX the CFPB, 48 states and the District of Columbia ordered Peaks to " stop collection on and cancel all outstanding loans it owns relating to XXXX ; and request that the credit reporting bureaus delete all PEAKS entries '' ... 

Well they have not done either. I've already contacted my attorney again, but I'd like to file a formal complaint. These people have been harassing me for too long.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against [ EXPERIAN ] for failing to correct inaccurate information regarding late payments reported on my credit report for account [ Account number ]. 
Despite multiple requests for correction ( letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ] ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

XXXX. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

XXXX. Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.
Product: Vehicle loan or lease

I finance my car with High Performance Capital and I noticed in 8 months of on time payments my amount paid off so far is XXXX $ Instead of XXXX $ I looked up reviews with further research to find that the company has endless complaints about finessing their customers, charging unexplainable fees etc. I try to reach them to do either payments over the phone or to see my balance but they never answer. The company seems to scam their customers and further investigation should be considered
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXXt. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Credit reporting or other personal consumer reports

The last few months I became a member with XXXX XXXX. Recently I received several emails stating Im a excellent match for some credit cards. I applied for two cards. One with XXXX XXXX  and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told XXXX XXXX reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between XXXX XXXX and myself with apologies for reporting fraudulent information to there consumers.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are refusing to conduct any investigations into my disputes regarding false late payments. I have been disputing since XX/XX/2021. Each time they Verified as accurate. When I called the representatives admitted to seeing the inaccurate late payment statuses but referred me to the original creditor. So, finally, I had XXXX separate Artificial Intelligence ( AI ) credit monitoring services and XXXX XXXX  which revealed that Equifax is reporting XXXX Late Payments and XXXX is reporting XXXX Late Payments. These late payments are being updated every month. I have asked for proof of all late payments and the method of verification. I have been denied by both agencies. These late payments are a blatant and deliberate Lie!!!!!!!