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

Hello Consumer Finance Team, I am reaching out to you to request an investigation on Paypal regarding their decision to permanently limit/banned my Paypal business account and holding my funds for 180 days. I have filed several complaints to their customer service, executive teams, escalation team, and other Paypal departments, regarding it since XX/XX/2021, but they all have turned a blind eye to my request to release my funds earlier as I need them for my digital business. 

There are several transactions that were involved in this complaint as Paypal has put a permanent limitation/banned on my business account. There is an Available Balance and Pending/On Hold balance and they won't allow any more transactions on my account nor release the funds left on my Business account since they have restricted my Account last XX/XX/2021. The transactions on my account are from XXXX to XX/XX/2021. 

Here are the details based on my Paypal Balances : Available Balance : Euro : XXXX EUR USD : {$420.00} USD Balance On Hold ( Pending ) : Euro : XXXX USD : {$960.00} I am reaching out to you to ask for assistance in releasing the above Balances on my account. Please help me out as I am just starting my digital business and Paypal is keeping my funds for 180 days which is unreasonable and they have not provided a valid explanation on their decision to permanently closed my account. 

I am looking forward to your assistance and positive action on this matter. 

Thank you and Best Regards, XXXX XXXX
Product: Mortgage

Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.
Product: Debt collection

Used previous address for alleged outstanding bill. They also linked my telephone number to the account. I never had an account with the original consumer.
Product: Vehicle loan or lease

In XXXX of XXXX, I went to the XXXX dealer and purchased out my vehicle at the end of the lease term. At this time, my account with Honda financial services was closed and has been closed since that time. 

Despite the account being closed for 2 years, on XX/XX/XXXX, Honda financial services made a payment on my behalf to a supposed tax bill they received and forwarded the cost to me. 

This can not be valid for several reasons : 1 ) the account is closed and has been for years, no activity should occur on this account XXXX ) I have never received a tax bill in the amount requested by XXXX, nor do I still live in XXXX XXXX, where XXXX told me on the phone the bill originated. If XXXX is receiving a bill from the City, it is because of something they have set up, not myself. 

3 ) I receive a biannual property tax bill from my current territory, the county of XXXX, which i have fully paid This is the second year in a row this has occurred.
Product: Debt collection

I noticed a negative report on my credit report. The negative was from IC Systems, a debt collector for XXXXXXXX XXXX XXXX XXXX XXXX. The total amount due is {$130.00}. The representative at IC Systems stated that there was 3 negative reports stating there were two credit cards that were sent to them as well. They stated that the total due would be {$370.00}. I told them I just wanted to take care of the {$130.00} that they showed I owed. They then told me to clear the negative mark on my credit that I would need to pay {$190.00} for a {$130.00} debt. I stated that I only wanted to pay the amount that they showed and XXXX  stated that I owed. She again stated I would have to pay {$190.00} to clear up the {$130.00} debt but didn't state any other fees. When I told her I would only pay the amount I owed, she hung up on me. Why do I need to pay an extra {$63.00} to have them remove a negative they reported on my credit report? Shouldn't the negative fall off when I pay the debt only? This did not seem like a legal collection practice.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Confirmation Reference number was provided for completing form for Lowes trade line and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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, credit repair services, or other personal consumer reports

The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS XXXX This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts would be taken off. The first account on here according to my XXXX XXXX is XXXX it says I am an authorized user. That should be off my file. The other account was a XXXX card with a credit limit of {$14000.00}. These cards one was an ex bf 's and was my mother 's I just don't want anything to do with them and for it to be off my credit report as I am trying to build good credit and do not need or want there help. Thank you. I was told by Equifax that would be resolved and taken care of.
Product: Debt collection

I dont have verification that the debt is mine and I dont have proof of where it came from.
Product: Mortgage

US Bank home mortgage. Location XXXX XXXX XXXX XXXX XXXX XXXX requested on XXXX

And inaccurate not true unauthorized please remove
Product: Debt collection

The company is reporting incorrect data. This account is most likely, has reached its limit and does not belong to me.
Product: Student loan

I went to XXXX XXXX XXXX MI and was told I would have a loan thru Genesis Lending which I learned was been since investigated. I have had issues with the Instiutute itself and can not rid myself on the ongoing debt and no way to fix the issue. I am in debt {$16000.00} for a XXXX XXXX certificate in which I never got due to issues with promises of an externship. Once externship started I was told I didnt do well enough or only given limited access to the job I was to learn. The Genesis Loan I have tried to resolve but I get phone calls and letters weekly. I can not pay back any money if I am unemployed. I have discussed with them several times and I get the same answer. Its unclear to me also how I am responsible for paying back loans on a college that the government had to shuit down due to the dishonest nature and students left in unreasonable debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and believe that this unauthorized inquiry was made by someone who unlawfully used my personal information. 

The fraud inquiry is as follows : XXXX XXXX  XX/XX/year> XXXX
Product: Mortgage

Please see attached documents written regarding an escrow refund that I have yet to receive since XXXX 2017. Document one was sent to my original lender regarding the issues I 'm having with no response. Document two is the trail of emails between myself and their " Account Executive II ; LC-Client Relations Department '' who I have not heard back from in over a month after the Lending company forwarded my letter over to her to help me get resolution on the issue. There is a document of the police report regarding the theft of my check that was sent to Loancare as well. I spoke to an XXXX, XXXX, XXXX and 3 other rep 's since yesterday who have not solved the issue or returned my calls. The money was stolen from Loancare and as I understand they need to pursue getting the money back from the person that stole and deposited the funds to their own account, that has nothing to do with the fact that they still owe me the overpayment in escrow fees for my supplemental taxes that are now past due as of XXXX-2017 because I was told the money being refunded was the money they collected to pay them for me and never did. I have done all the research for them to find the person that stole the money, where they deposited the funds ( XXXX XXXX ) and opened the fraud case with that company and gave that info over to XXXX as well. I have made phone calls and emails to XXXX XXXX multiple times since XXXX-2017 with no response from her to date. The rep I spoke to today stated I needed to wait 90 days for them to finalize their investigation but I 've waited since XXXX-2017 and been given false information from multiple rep 's of where my money is at or when it would be delivered to me. They wo n't allow me to speak to anyone other than a customer service rep or a customer service supervisor which neither can help me in the process. They continually place me on hold, tell me they will call me back when they never do and I 've lost an estimated 80+ hours of work time due to working on this issue with still no resolution. I am owed {$3400.00} from Loancare that they have not delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, TSI, Transworld Systems Debt Collection reported an unpaid account on my credit report - amount {$220.00}. The original creditor is an electric company in Texas, XXXX XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX. I had never even heard of XXXX XXXX. 

I contacted XXXX XXXX and they told me that my information does not match the information of the person who opened the account, including the social security number. They told me to contact TSI.

I contacted TSI and they told me that the account opener had a different name than myself, and a different home address, but that my SSN was the number associated ( If the companies disagree on the SSN, somebody is committing fraud ), I opened a dispute with TSI and they promised to contact me.

I filed a dispute with XXXX  credit reporting and it came back simply saying that the information was verified. TSI never followed up and told me that they would do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have contacted experian and the creditor on multiple attempts to fix inaccurate information on my credit file and neither side is willing to remove the incorrect information, i did everything as I should to remove the address, I was told to send in documents with updated information I did and still no help then I was told to send in additional documents and I did still no help I dont have any records from either showing me how this address belongs to me which tells me this is being falsely reported, Im sending all these letters certified mail please help
Product: Student loan

I have ad repeated issues with the collection practices of XXXX XXXX from the moment I graduated from university. On XX/XX/XXXX, XXXX XXXX contacted my sister looking for me and she is not authorized on my account nor does she have a phone number listed on the account to by contacted. I called and made sure there was no phone numbers associated with my account that didnt need to bling there. XXXX XXXX representatives straight out refused to let me know where they got the numbers for my family from. At the time, my loan was less than 60 days past due at the time and I had been making payments every single month. 

This morning, XX/XX/2018, XXXX XXXX representatives called me at XXXX which is not within the scope of the law.
Product: Debt collection

I have obtained a bill for a date of XX/XX/19 for {$180.00} from ARS. I had advised ARS that this is a XXXX XXXX claim and my workers comp adjuster has reached out to them several times prior for the bill with no response. I had advised this company several times. They were extremely rude yelling on the phone advising they dont need to reach out to my XXXX XXXX claim. advised that it is against the law if they do not collect from the right source. Also advised them they had reported it on my credit and they need to remove it from my credit as it is against the law especially for a XXXX XXXX claim. The representative advised they will not do that. I had advised that i can file suite if they do not remove from credit as i have tried several times to give them the sources to collect debt from the correct party and they refuse to take the information, the representative had hung up on me each time I called. I had called and left messages for supervisors with no response. I need this to be removed from my credit as well as the agency to reach out to XXXX XXXX as my adjuster had been waiting for the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following issues are incorrect : : - still reporting status as of XX/XX/XXXX - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX Experian is reporting multiple outdate/incorrect negative items to my Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount All of the factors above should be blank or at {$0.00}. For months Experian has allowed these negative items to remain on my report regardless of my many attempts requesting an update.
Product: Mortgage

I refinanced a mortgage into a HELC with Citizens Bank back in 2004. Citizens had been the previous lender as well. A lender prior to Citizens did not assign the mortgage properly on my deed. The prior lender is no longer in business. At the time I refinanced with Citizens I had to pay Title Charges as part of the closing cost. I feel that this should have been take care of then as the Title Charges are for things such as this. 
It was not taken care of. 
Now and in the past I have tried to refinance my loan as the rates are considerably lower and I am unable to. 
Citizens has suggested that they can refinance for me as other lenders will/can not because of the title issue. This seems like unfair business practice at best. 
Can Citizens be made to pay me for my losses of not being able to take of advantage of the lower rates?
Product: Debt collection

I asked for validation of the debt in roughly 2018, and received nothing. I tried explaining to them that I am not taking ownership of the debt due to my estranged father opening the account, as he has access to all of my personal information as he is my biological father. 
I sent a letter requesting validation of the debt, as well as verbally requesting the debt as well to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

First of all this is XXXX complaints against the same shady XXXX, a corporation I KNOW you've heard a lot about, " North Lane ''. 

1 ) XXXX rebate " virtual XXXX ''. No XXXX fraud protection -- check out those terms ; ) And ... no card. I have a screenshot ( thank XXXX! ) of this useless " virtual '' card. Was not accepted ANYWHERE I tried to use it. Do a XXXX search for " North Lane XXXX rebate card useless '' and I think you'll find thousands of reasons for enforcement. Nobody could use this card. In order to get money out of it you MUST use the telephone and the " lost or stolen card '' option. There is no other way to get your money. I know that regulations require only live agents for this function and nothing else. That's unconscionable. I'm sure that the vast majority of Americans would agree. 

So this " fraud department '' answers and seemed very familiar with my demand -- a paper check for my {$150.00}. I know it's not a lot to most people but we are DIRT POOR. Just jumping through these hoops cost me wages. When I make a mistake with one of these " banks '' they take and take and take hundreds in fees. When they XXXX up I get nothing. I think it would be a great policy for a mandatory XXXX payment to each and every injured party at minimum. Corporations hate us. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they don't pay up yank their charter. I worked for a bank and we feared the OCC. XXXX XXXX XXXX XXXX XXXX XXXX 

I still have not received my check, It's been 10 days. Again they failed.
Product: Credit reporting

Equifax is reporting inaccurate information on my credit file in association with an account with XXXX and is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining XXXX ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '', if I agreed to pay a one time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my Equifax credit report. My equifax credit file is reporting, " account paid for less than full balance '', " charge-off '' and late payments. All three indicate a recourse as to a deficiency on loan. As per the enclosed agreement, any and all derogatory comments from my credit file associated with this account are to be removed since all three constitute a recourse as to a deficiency on the loan.