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

I received an email from paypal on XX/XX/ that my account was permanently restricted. They claimed " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services '' even though when I call they won't give me an explanation as to exactly what the " activity '' was that was against their user agreement and I spoke to 5 different customer service agents. They all gave me different reasons from my account was linked to other accounts with suspicious activity, I had too many large suspicious transactions ( even though you can clearly see in my transactions eveywhere I spent money and they are all legitimate businesses ), another said I had other accounts in my name ( which I only have 1 account this one ) and another told me that they dont have to give me a reason if they no longer want to do business with me they dont have to?? My issue isnt even the ability to use paypal at this point I don't even want to use there services and would caution anyone I know to never keep a balance in their account. Paypal is holding the {$6700.00} I have in my account. They sent this message in the email " Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. '' How can a company not give a legitimate reason and take your money and say you can't have it back for 6 months? I am a XXXX person on a fixed income from social security XXXX and that money was supposed to be used to pay off my vehicle loan so I don't have to struggle each month to pay my bills. Now I have no idea when or if I'll get my money back? I don't even know how this is legal?
Product: Debt collection

DCI ( Debt Collectors International ) contacted me about an ( unknown ) debt to XXXX. I had reached out to XXXX to directly resolve the debt. 
XXXX continued to call, aggressively threatening me even after being advised I was working with XXXX directly. 
She called the shop and spoke To employees about the debt, telling them shed sue and disclosing amounts owed. She then posted on my XXXX page under several posts and disclosed the amount owed, telling customers about the debt and threatening to report me to XXXX XXXX  XXXX XXXX. She then aggressively messaged my inbox and web page. I have screen shots. She was advised to stop. She told me to bring it. This is harassment, and most likely due to the fact she wont get a commission from payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information Intent to Sue : Please be advised that as of XX/XX/2022 TransUnion has failed to respond to my complaint sent via the CFPB on XX/XX/2022. It is now 7 days past the generously allotted threshold of 30 days allowed by Federal Law and TransUnion has failed to provide any supporting documents and/or PROBABLE evidence that I have any obligation to the mentioned account below. TransUnion has failed to properly reinvestigate and delete the disputed item from my credit file resulting in injury not limited to being declined for new credit, mental anguish and XXXX. I demand that the account be deleted from my credit file. I am requesting an accurate copy of my credit report once the items have been removed. Should TransUnion choose to continue to be willfully neglectful as it pertains to my credit file, I will file a dispute against TransUnion in small claims court seeking remedy for said violation. 
Please see UNVERIFIED account listed below : ACCOUNT : XXXX ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have filed and attached previously Identity Theft Report and requested this account to be removed from my credit report since I do not have any knowledge or acknowledgement of this account. Below is the correspondence from XXXX XXXX XXXX XXXX XXXX at Discover and they are informing me investigation will take up 90 days. This record negatively impacting my credit worthiness and personal life. I'm being rejected an opportunity to receive loans and fair employment opportunities due to this record being on my file. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Apartment XXXXXXXX XXXX XXXX XXXX RE : Discover card ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX XXXXhank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. In your correspondence, you stated you did not open the above-referenced account. Our records reflect that we have no record of a prior fraud assertion. Per your assertions that you did not open this account, an investigation was initiated on your behalf. Our investigation may take up to 90 days to complete. If we need additional information, our Fraud Investigations department will contact you. Should you have additional documentation you would like to provide to assist with the investigation, please contact our XXXX XXXX XXXX Department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB
Product: Credit reporting or other personal consumer reports

XXXX complaint closed before XXXX by experian that can't access without giving my information to a person who can't speak XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling Equifax and copying my license and personal information they said it was not enough to prove my identity then they sent me a letter with information to copy and mail back to them. After doing this again, they sent a second letter stating they still did not have enough information and asked me for the same records a third time. All I want is for them to unfreeze my credit and/or let me log back in to do this myself. They wont give me an appropriate link to change my password. They are asking again for a copy of my drivers license and utility bill which I dont have because I dont pay any bills
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete fraudulent activity on my credit report. I have reported to Experian 3 times, by telephone, regarding me being a victim of fraud and that the information on my credit report regarding XXXX XXXX XXXX is fraudulent. Experian also has XXXX XXXX XXXX listed twice on my credit report for the same account and amount, which is also incorrect and making the amount owed showing double the incorrect amount. I have explained to Experian 3 times that this account does not belong to me and that I have no knowledge of this account, that I have never had any dealings with this creditor, and that it is fraudulent. I have also requested to speak to an Experian supervisor on 2 different occasions, on XX/XX/XXXX and XX/XX/XXXX and was told both times that the supervisor was busy and that they would call me back. I still have not received a telephone call back. 
On XX/XX/XXXX, I spoke to a representative named XXXX and she stated that a supervisor would call me back and when I explained to her that this is my 2nd time calling and no supervisor attempted to call me back the first time I called. I also explained to XXXX, the representative at Experian, that I have an Identity Theft Report on file with the CFPB and she stated that I do not have an identity theft record on file with the CFPB ( I have attached my proof of identity theft report ). She also stated that Experian does not remove anything from credit reports without the creditor 's permission, and that there is nothing they can do. I explained to her that that's an unfair statement being that I have never had any activity relations with the creditor and that I do not know of the creditor, and that the account does not belong to me ; and that she was incorrect about me having an identity theft report with the CFPB. I explained to the representative at Experian that they did not provide me a fair investigation into my dispute and she stated that Experian does not investigate and that they only go by what the creditor tells them. Therefore, Experian has lied about their investigation into my previous disputes, as the representative stated that they do not investigate the disputes. Therefore, they have not thoroughly verified the information on my credit report, as they stated that they did. Also, this is the 2nd time that Experian has allowed this creditor, XXXX XXXX XXXX, to be placed on my credit report after proving to them that my identity was stolen. Experian did not do a proper investigation into my dispute and they have also admitted that. I would like for XXXX XXXX XXXX to be removed from my credit report.
Product: Credit card

My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I logged into my Equifax account online. I tried to get my free credit report. However, they did not give it to me despite me selecting the series of clicks required to get it. Instead, they gave me the message " Report Date XX/XX/XXXX Credit File Status Report Blocked for Promotional Purposes Security Freeze in Place '' I have a freeze in place for other people/businesses/criminals to not be able to access my data, however *I* should be able to access my data! They provide me with no way to access the information I need and have a right to. I looked on their site for help and they only provide a link to the CFPB website for help, so I am contacting you in hopes you can help. 

Sincerely, XXXX
Product: Credit card

I made a payment for the minimum payment and tried to stop it but the option was not available. I then made another payment that was reversed without reason. 
I noticed my account had the available balance at XXXX when I had over XXXX $ available credit. 
I then paid off the entire balance and no change to my account other than now I have a negative XXXX $ balance and still no available balance to use my card.
Product: Debt collection

I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt..
Product: Mortgage

I have already lost my home to foreclosure. I had XXXX XXXX  XXXX and not only were they very hard to work with, I could never get a correct answer as to why my Mortgage that was at a fixed rate would go up. WHen I did get behind in PAyment back in XXXX. Shortyl after, my mortgage was sold and now I was paying XXXX XXXX XXXX at a much higher Mortgage amount than I was paying before. I was a first time home buyer and started with a first time home buyers program with the State of New Hampshire. We refinanced with Green tree and put on a new roof had the house panted and a few other things we needed. I was with Greentree from XXXX it was sold and then sold again when XXXX XXXX XXXX took over. They were no better. I ended up losing my house. My husband became chronically ill and end up XXXX this past XX/XX/XXXX at the age of XXXX. In the year XXXX I received a letter on a class action suit for green tree that I was part of and I have misplaced that letter. I even forgot about it when my husband of 28 years and together for XXXX at the time had XXXX XXXX   and was in and out of the hospital in a XXXX  for 14 days and thirty days in the hospital before his death. 
I believe the class action suit was for when my mortgage payment went up without notice and may have been because I was being charged flood insurance.I tried to find that letter but I believe moving twice in a short span may have contributed to getting lost.. I do not how to go about getting the information on filing with that class action suit. I am not sure if everything is on a time limit and if I am too late. It just seems like I am made to lose. Even social security never approved my husband until he died and with that, after 12 years of trying, he got 7 months of social security after working 22 years for the same comapny.No severance pay no retirement no social security- one of the reasons we became late on our mortgage. If you could please help me in locating the class action suit and see if I am still able to file I would surely appreciate that. I am tired of struggling financially because no one wants to help. If I was due money from that suit I really can use it now. I did the best for a family of five on my income for the past 10 years. No other income from my husband. We were foreclosed on, lost our vehicles and I had to swallow my pride and go to local food banks. I could not get any state help because it goes by the years before taxes. Even if we were no longer making that money. My husband died XXXX. I am sure the stress of losing everything did not help. 
This class action suit if I and my dead husband are owed I could use the money to bury him.
Product: Checking or savings account

PNC Bank - A fraudulent vendor opened up 2 PNC Accounts & requested XXXX XXXX XXXX XXXX XXXX funds into the PNC Accounts. They were opened by a fraud entity and immediately closed once the funds were received. 

The fraudulent entity opened 2 PNC Accounts - of which XXXX XXXX XXXX XXXX believes that there was NOT proper documentation received by PNC Bank to support the validity of these accounts. Usually when an account is opened at a bank, there is adequate documentation of the account holder to insure that it is NOT a fraudulent account. 

We request that the CFPB follow up with PNC Bank and access the documentation PNC Bank has on the account holder of the accounts in question.
Product: Credit card or prepaid card

I have been a Capital One business customer for many years and have always made my credit card payments and never not paid my bill. Several weeks ago, when I tried to use my card, my charge was denied. I call on XX/XX/XXXX and found out that the card had been closed by Capital One because there had been a change in my business ( EIN ; our company recent changed from sole proprietor to corporation ). Capital One felt it was appropriate to change the credit card number. I am sure there are many legal and administrative reasons for this. 

During my XX/XX/2021 conversation I spoke with XXXX, # XXXX, who stated Capital One had sent me information about this. All I have ever received from them are " junk '' emails. I have not received a letter, much less a courtesy phone call, to let me know of the change. He did tell me that the new card has an {$11.00} credit for overpayment on the previous account. Yet they won't transfer my accumulated rewards. On the date they closed the account I had earned {$570.00}. I can understand our not want to transfer the funds to the new card. But does that mean I am not entitled to the money I earned and that can easily be sent to me via check? 

I would very much appreciate your assistance in helping this resolved so I can get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX  Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Creditor agreed to delete Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : {$400.00} XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX I received a provisional credit of {$130.00} over fraud on my debt card ( valid fraud ) Ive had a history of issues on my account but theyve all been resolved either credit issued or reversed but have all been resolved so I understand the bank closing the account but I only have {$130.00} outstanding that could potentially be reversed on XX/XX/XXXX I had a balance of a little over {$100.00} and mobile deposited a check for {$650.00} the bank cleared {$220.00} of it so as of today I have a balance of {$320.00} with an additional {$420.00} scheduled to clear tomorrow ( was told all is untouchable even when it clears ) for a total of {$750.00} my issue is they froze ALL of my funds when they closed my account out of no where on XX/XX/XXXX no warning at all and now I have {$650.00} of money that has nothing to do with their investigation and {$620.00} of a balance ( if somehow they reverse the credit ) being held hostage I have called 10 times Ive been hung up on, redirected to the wrong department, told theres limited notes and no one can tell whats going on or get a hold of the department that closed it and just that when theyre done looking into it I will get a check in the mail with no timeline of when exactly I have a family to feed that was all of my money I dont think its fair to freeze all of my funds when only {$130.00} is in question all Ive asked is that the {$620.00} be made available to me so that I can survive this was my only account and my only money and now Im in the dark on when or if Ill ever get it back its based on a decision of a person who closed the account left no notes so no one can tell whats going on and that no one can get ahold of them or anyone in their department so Im not confident and now I have to suffer because I cant at least access funds that have nothing to do with their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a 30 yr fixed VA loan serviced by XXXX XXXX. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by XXXX XXXX. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to XXXX XXXX in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Other websites show that the company has reduced the account to XXXX. When I tried to dispute the {$30.00} fee, they told me there was nothing they could do about it. This would be the first time in my life that a debt collector couldn't take care of the ACH fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has re-added the XXXX XXXX partial account number XXXX back to my credit report as well as brought the date of last activity forward. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This is a violation of the Fair Credit Reporting Act to re-add an account in duplicate and to falsely bring the date of last activity forward. I have contacted XXXX XXXX as well as Transunion to remove this from my credit report however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX corrects the inaccurate information and removes the account from my credit report. Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

While in hospital and rehab for months last yr, was unaware of a different bank ( Comenity ) taking over my XXXX credit card and also that my automatic balance payment setting didnt transfer. After numerous calls and website messages trying to get late fees removed, I eventually just gave up and paid by check the balance they told me I owed, and closed my account because of how unhelpful they were. Check mailed XX/XX/23, not posted to my account for 3 full weeks. Now they are refusing to forgive the fees accumulated over that time. Two different reps told me they were unable to forgive the interest or fees, which come to around {$150.00}.
Product: Mortgage

This loan paid off before it transferred to SPS. I have provided enough documents since early XXXX and tried to communicated with SPS multiple times to resoled the issue. However, they have not done anything so far to close this load and now sending me " Notice of Default ''.