23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Item sold on XXXX XXXX, 2016, posted that day, delivered same day with signature and PayPal are holding payment until XXXX XXXX, 2016 even though eBay say payment should have been released when the item was delivered. I have contacted Financial Rights and they say they can not hold payments and to contact Legal Aid. I have also contacted Financial Ombudsman Service and they also said they would contact PayPal about holding money with no cause. 
PayPal is holding the payment to collect interest off the money from their merchant accounts it is illegal to hold the money for 21 days with no good reason. PayPal have been sued numerous times during the last 15 years and still continue to practice financial process in their business. 
No other financial establishment holds customers ' money that long. If a bank practice this type of process they would be sued by their customers.
Product: Credit reporting or other personal consumer reports

Accounts are being added to my credit without my knowledge & without proof of the accounts being mine.
Product: Credit card or prepaid card

My name is XXXX XXXX. I have been a customer since 2016. Every time myself and my children add authorized users Capital One keeps restricting my accounts as fraud and mandating I verify identity after they already verified identity previously. I have constantly been doing this for several months. I add authorized users simply to help build their credit. I own a business called XXXX XXXX XXXX XXXXXXXX. I have an EIN number and Tax ID and yet after being with Capital One they are without reason continuing to restrict my accounts, my son XXXX XXXX 's accounts and my son XXXX XXXX. There is NOTHING legitifying these fraud alerts. The accounts cross match with the same email address, physical addresses, they can validate phone numbers and entire identity. Then I spoke with a XXXX in XXXX who refused to advise me the names of the authorized users and refused to provide identifying information so that I can have capital one listen to the call. She refused to advise me her supervisor 's name. Yes I was PAST frustrated, but the called continued for almost an hour and when I requested information she went around the subject. I will be following up with a complaint to Consumer Financial Protection Bureau, federal Trade Commission. The authorized users on all the accounts is simply to assist my family in establishing credit and Capital One is making this difficult. I am an account holder with 3 cards, My son has 3, his twin brother has 1 and these users were already verified or were added previously and now they want all this proof WHILE they restrict accounts and take weeks to resolve and allow us access to the accounts again.
Product: Money transfer, virtual currency, or money service

I have had a PayPal account for 19 years. In those 19 years I have never had a dispute filed either against me, nor did I ever file a dispute. Recently I made my account a business account so I could use it to sell handmade crafts on my website using XXXX. I only use the paypal to buy supplies from websites, to pay for shipping labels through paypal, and as a payment option for my customers. I dont get tons of orders since my business is relatively new. I only opened it a few months ago. I hadnt used my account in a few weeks. My last few transactions were 2 purchases made by customers. I left the money in there to use for shipping labels. I may have transferred {$30.00} out to my bank and left around {$30.00} in the account for shipping. I went to pay for my shipping and my purchase wouldnt go through. I was confused seeing that I knew I had money in there to cover the shipping costs. After a few tries I went into my PayPal account and saw a message that said my account was limited. I immediately checked my email. At XXXX that morning, I saw I was sent an email from PayPal stating that my account has been deactivated. The only reason given was this, Based on the information we have today, it looks like customers were dissatisfied with activity from this business.. I was totally confused! I had never had one dispute filed on my account from any customers! As far as I know all my customers were happy! I never had an issue at all! Everything was going smoothly. I then contacted PayPal via their customer service line. The person on the phone looked up my account and said that I had been a customer for 19 years and had never had any complaints or disputes and that it was probably just a glitch with their algorithm. She said shes submit it to another department for review and I should hear back in 3 days. She also asked me to upload my ID which I did. I gave her 3 forms of ID. My account is so old it was made in my maiden name and so I sent over Id with my current name and maiden name. 3 days have passed, I didnt receive an email and so I decided to send over a message on their website. Within seconds I received a message in response saying that they permanently terminated my account! They did not give me any reason as to why except to send me their terms of service in which I reviewed and still I do not know how I broke them! I know I didnt do anything wrong! I never had any disputes filed against my account. They also said they they have to hold my remaining balance for up to 180 days for any disputes, but I know I dont have any disputes on my account! I am terribly upset about this as I loved the ease of using PayPal for my business but I know I didnt do anything wrong or fraudulent to cause this! I would like my account to be reinstated. Even the customer service lady said she believed it was a mistake as there havent been any disputes or complaints on my account ever! I dont understand why this is happening. I was not offered any way to appeal this decision. I also want my money as they have no right to hold it for 180 days since there are no disputes on my account.
Product: Credit reporting

I sent a XXXX letter to Experian asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX, XXXX, almost XXXX and XXXX XXXX XXXX XXXX, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Gemini froze my {$350000.00} worth of my crypto assets since XX/XX/year>. 
Gemini at first didn't allow to withdraw my crypto assets to any other platform, only allowing to sell my crypto on their platform, forcing me to pay their trading fees. 
Then, as I was growing agitated with run arounds and precanned responses given by their customer support, they froze my account altogether, because " they noticed that my mobile device was present outside of their service area ''. 
So if a customer went on vacation to a place Gemini doesn't service- Gemini will unilaterally freeze customer funds for an indefinite period of time with no recourse. 
I've repeatedly requested to transfer all of my assets to my XXXX accounts, but my requests were denied. 
I have jumped through every validation hoop Gemini made me jump through repeatedly. 
At this point its abundantly clear that the entirety of their security procedures are set up to lock customer funds on their platform
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently have problems with Transunion having incorrect information on my credit report. I contacted them because I was denied a loan due to low XXXX XXXX. My XXXX XXXX I watch closely because of Transunion. I have not been below XXXX in years. When I contacted transunion to find out what negative information on my credit report they used to come up with a XXXX score they would not answer. They also tried to charge me to send me a credit report with the information. On freecreditscore website I am able to retrieve XXXX and XXXX credit report but not Transunion. Due to the closeness in names, dob and address with me and my father this is a consistent problem with only Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX another bill under collections as well as false hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my father-in-law suffered a XXXX XXXX and my wife had to stop working for 4 months to care for him. As a result, our monthly income was decreased. I contacted my credit card companies and loan companies and asked what payment assistance they can give. My credit was impeccable. No missed payments in 20+ years. Every company assisted in allowing me to defer payments or allowed me to pay a lower payment or interest only. Nothing negative was reported on my credit. 

However, when I spoke to Sofi Lending Corp in XXXX of XXXX, they said they would allow me to skip 3 payments and it would be added on to the end of the loan. I spoke to a XXXX XXXX XXXX at Sofi (  email address : XXXX ). I received an email with a link to the secure message. The message has since been removed from the Sofi document center. But I have a copy of the email. Everything was agreed to verbally ( as was with XXXX, XXXX, and XXXX XXXX XXXX, all of them were extremely accommodating during the medical crisis ) I skipped the first payment as instructed and then I was receiving past due phone calls. Each time I spoke to them, they said their system wasn't updated as I explained the agreement. Each time they said they updated my file to show the deferment. But they kept calling for the next few months and I as adamant that my credit not be affected. They assured me it would not. I started making regular monthly payments in XXXX of XXXX and made the monthly payment on time each and every month. However, when I applied for an auto loan in XXXX, my credit score was greatly decreased due to multiple missed payments on my Sofi account. I contacted Sofi MULTIPLE times and they keep telling me all they show is the account was consistently past due. THIS IS INCORRECT. I contacted the credit bureaus, all 3, they said Sofi is claiming the information is correct. 
I need to have my credit information updated to show that NO PAYMENTS WERE EVER PAST DUE TO SOFI LENDING CORP .
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency, SOUTHWEST CREDIT SYSTEMS, has been changing the month and year of my old XXXX XXXX/XXXX  account delinquency in order to keep the account open on my credit report. In mid XX/XX/XXXX, during a recorded call with a XXXX representative, I was told by the rep that my old account was closed in XX/XX/XXXX. Which lead me to believe that my original date of delinquency may have been in XXXX or XXXX of XXXX. Whether correct or incorrect, what is clear is that XXXX originally reported my date of delinquency some time in the year XXXX. Therefore, after eight years it should have been removed from my account. However, SOUTHWEST CREDIT SYSTEMS apparently bought my debt from XXXX and has continually changed my date of delinquency to keep my account status open. I have never had any business dealings with SW, thus I've never had an account with them. XXXX XXXX-through XX/XX/XXXX, was the maximum window allowable window for SW to appear on my credit report. But, the company has, for more than three years, gotten away with re-aging my old debt/10 year old closed XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2023 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are not showing 2 checking accounts I have had for years. The XXXX XXXX XXXX XXXX is one XXXX XXXX  XXXX XXXX XXXX is the other. I also have a loan and utilities are paid with the XXXX XXXX XXXX XXXX account. I own three lots on XXXX XXXX in XXXX Texas that are title and deeded to me. I also lease a lot on the lake through XXXX county Texas. I own a single wide trailer, a pontoon boat a seafood, a 2013 XXXX XXXX, a 2000 XXXX XXXX, a 1965 XXXX XXXX. None of this is reporting on any of my reports so I am turned down for credit cards and for loans because the bureaus have no credit or FiOS score for me because they are not reporting any of my history. I have contacted and worked to get old debt stuff changed and personal info updated.
Product: Credit reporting or other personal consumer reports

I am inquiring to the reporting of XXXX  that has been constantly reporting on my Experian report ..i reach out to XXXX  XXXX  XXXX and was mailed back infornation that XXXX XXXX  XXXX does not report information to credit agency ( will submit letters below ) violating of my FCRA right U.S.C2692c I Called XXXX XXXX XXXX and they do not have any information on XXXX  on my files I ask that XXXX  be Deketed from My Experian Report
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting accounts included in my XXXX  XXXX bankruptcy ( # XXXX ) as derogatory. These accounts were discharged on XX/XX/year> ( Docket # XXXX ) per the United States Bankruptcy Court. Despite this, TransUnion reports them as " charge-off, '' " collection, '' or " past due, '' violating : FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ) FCRA 1681c ( a ) ( 1 ) UDAAP ( 12 U.S.C. 5536 ) 11 U.S.C. 524 ( a ) ( 2 ) Accounts in violation include : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 2 loans )
Product: Vehicle loan or lease

In the summer of 2018 I asked XXXX for a skip a payment option. It was approved but for some reason seems to have caused some confusion on my loan. After that request XXXX reported a 30 day late payment in the month of XXXX to XXXX. XXXX also reported a 30 day late to XXXX for the month of XXXX but marked the month of XXXX ok on XXXX. Same applies to XXXX, XXXX reported a 30 day late to XXXX  but marked XXXX as ok on XXXX. So the company has reported inconsistent information during the time that I was approved for a skip a payment. This 30 day late keeps fluctuating between XXXX & XXXX between reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have complet
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company. 

XXXX is reporting 1 inquiry from XXXX XXXX reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

XXXX has discharged my debt to a collection agency who is writing to offer a reduced settlement. I have tried both the phone number provided as well as the website provided to contact the company to request a copy of the original signed contract, as is my right. The phone number provided ( XXXX XXXX ) only asks questions related to sales of devices targeted to the elderly. After completing all the prompts the line eventually disconnects, therefore you are never allowed to contact the actual agency in order to arrive at resolution. The same practice is employed by the website provided ( http : //ssp.ercbpo.com ). Not only is this false representation but the fact that you are subsequently bombarded with service products targeted specifically to the elderly is horrifying, this is predatory business practices at its lowest form.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Please see attached file from PennyMac loan services. Please make special note of the payoff from the above mentioned attorney. In their response to The Attorney General PennyMac stated that could not apply the insurance claim funds to the loan unless it paid the loan in full. Your letter to me dated XX/XX/2023. The letter from XXXX and XXXX dated in XXXX, the payoff reflected the insurance funds.. still every time I requested one..the mortgage company would send me a payoff of {$280000.00} +-. The most recent payoff that Im forwarding to you, that was good until XXXX XXXX, XXXX  also reflects them applying the insurance funds. They did exactly what they told you they couldnt do!! That payoff was never uploaded to my documents on my PennyMac portal. I had listed this property for {$160000.00} had several cash offers. Every time we requested a payoff, It was sent without applying the funds. My Realtor said I was waisting his time, because I could never get the proper payoff. If they would have given the proper payoff this property would have sold. Now, 6 months later, attorney fees, property preservation fees, foreclosure fees.. its no longer the {$100000.00} its now {$120000.00}. This company XXXX XXXX in their response said they could not apply the insurance funds causing me to lose the sale of my property and then turned around and did what they said they couldnt do. I have tried with this company until Im blue in the face. I am a 100 % XXXX XXXX XXXXXXXX Veteran that is homeless because of these people. My credit is ruined, I have XXXX dogs, and no rental history.. who in their right mind is going to rent to me. 
XXXX XXXX XXXX XXXX