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

So I had a personal account with PayPal for years. I just upgraded it to a XXXX  account over the last few months since I never had a problem with my personal account. Prior to doing my XXXX  with PayPal I was having my XXXX  send payments by cash app. When I had the chance to upgrade my personal account to a XXXX  account I agreed because I felt PayPal would be the more secure way. On XX/XX/2021 I received a email saying my PayPal account is locked and I cant have access to my funds for 180 days. How is that even legal? Well I contacted PayPal and no one could explain to me why my account was locked/closed, just that I violated a rule but unable to tell me what rule. Well I have clients that paid me to repair their credit and Im unable to access any funds.
Product: Debt collection

This company for the last 4 years have reported a debt that was about $ XXXX in amount as a {$22.00}, XXXX debt on my credit report. Additionally, when I disputed the validity of this debt with the company and the bureaus, the company verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of. XXXX. Validation of debts [ 15 USC 1692g ]. The item also still appears on my credit report as having a $ XXXX balance ( see attached credit report excerpt from today )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX. XXXX XXXX  Account XXXX 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX Account XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Notice of Intent to Sue for Willful Non-Compliance under 15 U.S.C. 1681n Dear, Credit Karma, XXXX I am writing to formally notify you of my intent to take legal action against your company for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

On XX/XX/year>, it has come to my attention that your company 's disclosing negative remarks on your platform did not give your company written consent. specific actions or omissions that constitute willful non-compliance, e.g., failure to provide accurate consumer information, unauthorized access to consumer reports, etc. ]. Such actions are in direct violation of the FCRA and demonstrate a disregard for the legal obligations set forth under this law. 

Under 15 U.S.C. 1681n, individuals who are subject to willful non-compliance may be liable for damages, including but not limited to : - Actual damages - Statutory damages of not less than {$100.00} and not more than {$1000.00} - Punitive damages - Attorney 's fees and costs As such, I demand that your Company take immediate corrective actions to remedy this violation and provide a written/ email response addressing the steps taken to ensure compliance with the FCRA . If I do not receive a satisfactory response within a time frame, e.g., XXXX  days, I will proceed with legal action to seek appropriate remedies for the damages incurred. 

Please consider this letter as an opportunity to resolve this matter amicably before escalating to litigation. I hope we can come to a satisfactory resolution. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been unable to get an annual credit report from Equifax for almost two years. We have both established " myEquifax '' accounts with user names and passwords. Our requests at XXXX are refused. When we attempt to log in to our " myEquifax '' accounts we get statements and error has occurred. A toll free number is given : ( XXXX ) XXXX. This number leads to a series of questions before routing to an agent. Most of the questions get cut off before completion. Most responses are interrupted with a verbal statement " I didn't understand that. '' If one persists and gets past voice mail XXXX, you are informed " ... all agents are currently assisting other customers. Please continue to hold. '' Eventually the call drops. 

Does Equifax intend to comply with federal law regarding annual free credit reports or not? Will the government enforce the law?
Product: Vehicle loan or lease

I am still struggling financially. My car payment is due on the XXXX and not quite 90 days past due and I was told that the car was out for repossession already and I am not quite 90 days past due. I had to have a XXXX XXXX XXXX XXXX XXXX to see if they have XXXX in the last year, I found out I just had a XXXX XXXXXXXX within the past XXXX weeks. I had to pay of {$800.00} in medical bills. I get my income tax check within the next week. I just need 7 days to make a payment. I promise that I will make two pays within the next 30 days to try to get caught up, I also just got a second job that I start this Friday with XXXX XXXX XXXX. I will get my account caught up. These repossession threats and notices are very stressful. The last two times I was told that my car was out for repossession and I called in to make the payment, I was told that it was never put in for repossession. I am happy about that but the threat of telling me that and it never being done causes XXXX XXXX XXXX XXXX for me. With my recent XXXX, stress is not good for me at all.
Product: Credit reporting

I placed a security freeze on all XXXX of the credit reporting agencies several years ago. I am going to be applying for a loan and so am trying to lift the freeze. Neither Equifax or XXXX is recognizing my PIN : I am unable to lift the freeze. There is no recourse to me other than to send my request in writing but I have NO identification that shows my social security number on it ( for obvious reasons ). There is no way to speak with an individual. This must be what it 's like when your identity is stolen and you lose control.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXXXXXX XXXX 3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Product: Credit card or prepaid card

I try to fill out applications but they deny me because someone used my information this capital one dobt care about identity theft or fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

someone is using my identity in XXXX Tx. Ive never been to texas. I live in Florida. I 've complained to all the credit bureaus and nothing has been done. I notified the companies involved and they did nothing either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 Region Bank located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.
Product: Money transfer, virtual currency, or money service

Sent monies to parties and was the wrong recipient, I could retrieve my funds back.
Product: Credit card

AS INSTRUCTED BY XXXX CONFIRMATION RECEIPT, I CALLED TELEPHONE NUMBER GIVEN XXXX ON XXXX XXXX, 2016 UPON ARRIVAL AT XXXX XXXX XXXX, ( APPROX XXXX ) TO HAVE SOMEONE PICK ME UP TO GET THE CAR RENTAL IN NERABY PROXIMITIES. I WAS INFORMED BY REPRESENTATIVE WHO TOOK THE CALL THAT THERE WILL BE AN EXTRA CHARGE OF {$17.00} PER DAY TO THE EXISTING RESERVATION BECAUSE THE PICK UP WAS SUPPOSED TO OCCURR AT XXXX. I EXPLAINED TO REPRESENTATIVE THAT I HAVE NO CONTROL OF FLIGHT DELAYS AND CUSTOMS DETENTIONS W/ THE LUGGAGE. HOWEVER, IT APPEAR THAT YOUR COMPANY IS CARELESS ABOUT THIS DELAYS PROCESS AT THE AIRPORT. IT WAS NEVER INFORMED TO ME THAT I WAS GOING TO BE PENALIZED FOR THIS. I SAID THEN THAT IF EXTRA CHARGES WERE GOING TO BE APPLIED TO MY EXISTING RESERVATION WITHOUT TAKING IN CONSIDERATION THE DELAYS OF THE FLIGHT, THEN I WILL NO USE THEIR SERVICES. I WAS NOT INFORMED OF ANY CANCELATION FEES AT THE MOMENT. MY POINT IS THAT I DID CALLED TO HAVE SOMEONE PICK ME UP AT THE AIRPORT TO GET THE CAR AND YOUR COMPANY DECIDED TO PENALIZED ME FOR THE DELAY SO I DECIDED NOT TO USE YOUR SERVICES.
Product: Mortgage

Earlier this year ( XXXX ) my mortgage servicing was taken over by Specialized Loan Servicing, for a condo ( co-op ) that I bought in XX/XX/XXXX ( XXXX XXXX XXXX XXXX-XXXX   in XXXX, CT ). Since the start of my mortgage with XXXX XXXX XXXX XXXX in XXXX, my mortgage payment had been {$260.00} plus my monthly co-op common charges which have ranged from {$460.00} - {$82.00} ( currently ). These common charges include premium for insurance coverage for the condo. 

On XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( " SLS '' ) letting me know that my mortgage payment would now be increasing due to delinquent insurance bills since SLS " made an advance '' on my behalf for Homeowner 's Insurance. Keep in mind, that I have insurance on the condo through a master policy for the co-op condo. 

subsequent to that letter I have called SLS ( 4-5 times ) asking why is my mortgage, after 2 years, having forced-placed insurance when I already have insurance coverage through the master policy in the co-op. 

Furthermore, after 2 of the 4-5 calls, I uploaded the master policy documents ( from the co-op insurance coverage ) onto the SLS website to confirm that I already have insurance coverage. 

After those 2 times of providing my insurance information, I have asked to please call me to confirm that my information is sufficient. I have not received a call back to date. During those calls I also asked the individual on the phone to provide me with a document showing that I am required to have this additional insurance coverage ( condo rental insurance coverage ), which is beyond the coverage provided in the master policy for the co-op. 

After waiting for the documents to arrive - showing me proof that I am supposed to have this insurance coverage - I called SLS again asking when the documents will be arriving to resolve this issue. the person on the phone stated that the documents will be arriving soon ... they never arrived. 

Yesterday, I received yet another call from SLS 's collection department stating that I have delinquent payments. 

Bottom line is I already have insurance coverage through the master policy in the co-op, and SLS has not provided me with any proof of why I need to buy additional coverage, however, SLS keeps saying I owe for the premium on this coverage that I never agreed to. I have NEVER missed a mortgage payment on this condo, but I continue to get harassing calls on the insurance coverage that has not been explained nor have I received a document showing that I have to have this additional coverage. And again, I have owned the condo for 2 years, yet SLS, since they took over earlier this year, is now saying I need to buy additional coverage.
Product: Checking or savings account

Charged me overdraft fees when I had {$66.00} on my account.
Product: Credit card or prepaid card

I applied for and was approved for a Lane Bryant credit card on XX/XX/2021. 

I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement. 

They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call. 

Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX, The Bureaus # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX. However they stated everything was complete and accurate if the open date, date of last activity, charge offs reporting as ok and much more. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting accurately. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

1581 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.

1581 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 items of information other than the records of convictions of crimes with antedates the report by seven years.

1581 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

On or about XXXX XXXXor XXXXof XXXX, I went to three car dealerships for a car loan and out of three i now have 16 inquiries on my credit report ; these are the ones I dont recognize XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.The car dealerships i went to was, XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain block

ed for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue. This has significantly impacted me, preventing me from acquiring a new home for my family. This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Credit card or prepaid card

I thought I made my minimum payment on my XXXX  Comenity card in XX/XX/2023. On XX/XX/XXXX, I got a notice from Comenity asking me to call them. I called and that is when I discovered that a payment was not made. My payment was 9 days late. On XX/XX/XXXX, I spoke to XXXX, supervisor, asking her to remove the late fee as I have never been late making a payment, Ive made multiple payment in the past and Ive never exceeded my credit limit. XXXX removed the {$29.00} late fee. I had to pay {$40.00} ( my min payment is {$35.00}. Due to late payment they required me to pay an additional {$5.00}. ) I was confused, asking WHY I needed to pay an additional {$5.00} when you removed the late fee? Their explanation is still confusing. 

Today, XX/XX/, I went to my account to make a payment EVEN THOUGH a payment is not due this month. There is a notice saying my account is past due and options may be available to get my account on track. I was confused about this notice as there is NO minimum payment due. When I called on XXXX XXXX XXXX  never informed me that additional payments were needed to get account up to date. 

I called today, XX/XX/XXXX, I had the displeasure of speaking to a RUDE rep, named XXXX. I asked to speak to a supervisor. XXXX assisted me. I asked WHY is there a message saying my account is in past due status when a made a payment? He says the system has not been updated and Comenity bank is reporting that my account was past due. I said, once i took care of the matter and the late fee was removed, my account is no longer in past due status. Plus, your account has to be 30 days late or more for a bank to correctly report to credit bureaus that your account is in past due. My payment was 9 days late, ONLY because I thought I already made a payment. It happens! Ive never missed a payment prior to thinking I ALREADY made a payment in XXXX! 

Ive had another issue with Comenity in XXXX of this year when I was making a purchase using my XXXX XXXX The card was declined. I called Comenity and was told that my card had NOT ben activated when I had been using my card for several months prior to trying to use it to make a purchase. AND Ive made payments to the account before XXXX. And I Ive made several transactions on my account when they claimed my card WAS NOT ACTIVATED. The representative nor the supervisor could explain WHY their system said my card was not activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters are letters to Trans Union, this will be my last because next I will be contacting my lawyer due to Trans Union will not provide me with the information that I have asked for over and over again. By law you have to send me something in writing. I asked Trans Union to verify were they got this information and they keep on sending me things that's already on my report. That anyone can see. I want something in writing to how did they get this not what's on my credit report. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. I am prepared to send this to all and a lawyer. Trans union will not send me anything in writing to were they got this information and from who. I have been asking for over a year. well as of today it's a demand not a request. I have attached paperwork of the things that they keep sending me trying to tell me they verified it. Ok from who? I sent paper work in from XXXX XXXX that stated they have no record of a bankruptcy in there files and trans union did not get it from them. Then I contacted the courts that they are claiming now that's where they got it from which is a lie also. I sent paperwork in from the courts also. Plus I sent in paper work from pacer. all I want to know is where did Transunion get there information and I want it in writing. Why is that so hard to do if Transunion claims they verified and it's right.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDXXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Someone fraudulently used my credit to establish a line of credit. Experiencing multiple offers of insurance, health insurance, and credit card applications unwarranted via email and cellphone due to the latest massive credit breach.