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

My paypal account is XXXX, My paypal account is permanently restricted, but I don't know why, I didn't violate any paypal company 's rules, but they just restricted my account permanently, this caused me a lot of damage, they shouldn't make arbitrary decisions like this, every arbitrary decision they make will cause me a lot of damage, I need to continue using paypal to pay online I am an XXXX XXXX  and I need to use paypal to buy goods from other sites, I don't understand why paypal would restrict my account because I didn't violate paypal 's rules
Product: Credit reporting or other personal consumer reports

Hello, Equifax is STILL reporting fraud information on my credit report from a XXXX XXXX collection company XXXX XXXX XXXX which is violating my rights. Equifax claims to have done a thorough investigation & sent me results yesterday XXXX stating this FRAUD ACCT. was verified. However, Equifax has failed to send me any proof of legal verification, any company can show an account summary with my info saying it belongs to me, that is not legal proof, plus Equifax did NOT send me anything at all, no wet signature contracts, no physical evidence, proofing this fraud belongs to me!! Again by law, Equifax & XXXX have to provide all the docs I requested in my letters & failed to do so! This fraud is violating my rights & against the law. The collection agency & Equifax must by law submit physical legal proof, other wise by law this fraud account must be removed! I am NOW PROCEEDING WITH LEGAL MATTERS & GOING TO SUE EQUIFAX & XXXX! AGAIN, I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my XXXX credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX  points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit report! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. THIS IS CAUSING ME DISTRESS & IF IT IS NOT REMOVED IN 14 DAYS. I AM SUING! I have uploaded supporting docs. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX, Equifax and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my XXXX XXXX. 
Account XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Debt collection

On XX/XX/year> company Zoca Loans and Rosebud Lending LZO reported a debt in the amount of {$1400.00}. The investigation is not accurate on my credit report. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to Zoca Loans. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to Equifax, XXXX and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and Equifax and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. DPT EDXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, The reason i am writing to you is because i previously opened 2 disputes with Equifax and the results say the information will be deleted but when i checked my most recent report from their site and from myfico the old incorrect information remains. can you please help me get this correct. i will be attaching the resaults that they indicated that this information was deleted and another that shows its still on the report.
Product: Mortgage

The pretender lender loan servicers opposing counsel responded to my consumer complaint on XX/XX/2018 attaching manufactured documents with scribbled signatures. Opposing counsel failed to provide me with the so-called notarized original loan documents because he knows the pretender lender loan servicer only has manufactured copies. When is opposing counsel going to be honest and provide me with color copies of the so-called original loan documents?
Product: Credit card or prepaid card

In    2016 I  received several invitations via   XXXX   XXXX    and email to apply for a  Citibank AAdvantage  Platinum credit card. The invitations were address ed specifically to me and listed my current AA miles and what my mileage would be if I fulfilled the spending requirement. I was urged to apply before  XXXX  o f 2016. I called  the number on the invitation, informed the agent that I had previously held a  Citibank AAdvantage  card, and asked if I would qualify for the promotion - and I WAS TOLD YES. I applied in  XXXX , fulfilled the spending requirement and paid my bills in full and on time. When the miles did not appear in my account I began making inquiries via fax and phone.   Many phone calls and many hours later I have been informed that ( unfortunately, sorry for any inconvenience ) because I had closed an account within the past 2 years I would not get the bonus miles AS PROMISED. I am not debating the " fine print ''. I was not sure when I had last possessed a  CITIbank  AAdvantage card. Thats why I called and asked. I relied on their response when I decided to apply for this card.     I feel I was both targeted and lied to.       1. I was baited into applying for this card and making charges to fulfill a fraudulent offer.
2  . Instead of awarding bonus miles, the timing of this offer actually PREVENTS me from earning bonus miles .... If I had waited 6 months more to apply I would have been past the 2 year window allowing me to re-apply for card and earn bonus miles in  XXXX .
Product: Debt collection

This company keeps calling and messaging my family, friends and even job. When I call this company they become belligerent and start yelling over the phone not even explaining what the debt is that I owe.
Product: Debt collection

Received a Collection letter indicating I have a debt to XXXX XXXX  XXXX  of {$95.00} and {$26.00} to Pinnacle Recovery Inc for Collections Fees, I called XXXX XXXX XXXX and I was confirm I was current on my maintenance dues so I called Pinnacle Recovery to informed them that I was current with XXXX and they stared with different stories The {$95.00} was for upcoming dues so I asked why there is a collections for upcoming dues? later it was a balance from previous payments which I remaindered that I just called XXXX and I was current then they said it was all collections fees so I told them that is not what the bill said the answered was that is not relevant that is the balance and I have to paid it. I offered to paid {$26.00} which the bill shows as Collection Fees and they did not accepted they want me to paid {$100.00} to resolved the matter. 
I asked the to confirmed the recorded of the two conversations so we can heard them giving me different reason of the charges. the two call were on XX/XX/2020 around XXXX XXXX for about 30 minutes and the second call stated a little after XXXX XXXX  PST. 
I will paid the balance of {$120.00} to avoid collection issues on my records but would like the money back and have this company stop misleading people on how they do the billing.
Product: Credit card

I activated a gift card from BMO bank that was in the amount of {$250.00}, to learn that there was {$2.00} ramaining on the card. When I checked the transaction history I learned that there were monthly " check fees '' of {$300.00} and quarterly fees of {$17.00} on a card that had not been activated and has an expiration date of XX/XX/year>. 

/when I spoke to customer service rep XXXX XXXX we were on the line for XXXX minutes and he asked to put me on hold, urged me to hold, and then disconnected me to the main menu, to start the process all over. Second customer service rep, XXXX XXXX was able to confirm after several holds and XXXX minutes these were fees the BMO charged if the card wasn't activated within 6 months. How is it possible this type of consumer fraud is legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 FTC report with fraudulent inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to FCRA XXXX, trans union LLC, and XXXX are breaking the law improperly misuse of credit report. account # XXXX TN XXXX Bankruptcy Court.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting

I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years.
Product: Credit card or prepaid card

On XX/XX/XXXX I returned home from a trip and found a billing statement in my mail from XXXX XXXX XXXXXXXX with a new balance due of {$13000.00}. 

The bank that issued the credit card is COMENITY. 

There was a single transaction posted on XX/XX/XXXX for the entire balance due. 

I did not open this account or authorize a purchase and believe I may be a victim of identity theft. 

I called the customer service # on the billing statement to report the fraud and was connected to Comenity 's fraud department. I was told they would open an investigation and close the account. 

Today I noticed the opening of this new account has appeared on my credit reports so I wanted to take this additional action of reporting the fraud. 

Please let me know if there is more information I can provide. Thank you.
Product: Money transfer, virtual currency, or money service

I was a victim of fraud. A person posted an ad on XXXX XXXX and stated that he can not show the rental property listed due to social distancing and COVID restrictions. He asked for first month rent and one month deposit to be transferred to a XXXX XXXX account ... I followed his directions but when the day to receive the key came he disappeared. Afterwards I googled his name and found others who fell for this scam. The issue is that when I called BOA and asked to retrieve the wire transfer they did not act quickly and only on the 45th Buisness day after my call which is the upper limit allowed did they issue a letter stating that the account it was forwarded to is closed. BANK OF America did not act quickly and more then that they should have alerted the XXXX XXXX that the holder of the account to which I transferred money is a scammer who keeps scamming others on a regular basis advertising apartments for rent throughout the US. Instead of being ProActive and working on flagging the account and warning others Bank Of America was placid and responded only on the last day they are officially obligated to respond this despite me calling them 5 different times and being promised that someone will respond today. Its as if BOA combined and joined the scammers to propagate fraud
Product: Mortgage

To whom it may concern : My name is XXXX XXXX and I am stressed. My mortgage was previously serviced by Freedom Mortgage. 
Upon loss of income due to not being able to work during XXXX XXXX I kept the dialogue open with Freedom Mortgage to inform them of my current financial situation and I was placed on a forbearance plan. As I started working again, I immediately contacted Freedom Mortgage to tell them I would like to resume making payments on my Mortgage. 
Freedom then reviewed and decided that I qualified for a Covid Relief Loan Modification and offered to bring down my interest rate from 5 % to 3.125 % ; and my principal loan balance would remain at {$200000.00}. I accepted these terms and agreed to begin making payments on XX/XX/2022. 
I called Freedom Mortgage today XX/XX/2022, to inquire about getting my declaration page for the forced placed insurance and asked where to send my new homeowners insurance information because I was paying forced placed insurance at a premium. It is then that Freedom stated that they did not have any information regarding my loan because the mortgage has been serviced released. They stated that my mortgage was transferred over to XXXX Mortgage and was sold. I was never notified of any such transfer, and I was not notified prior to any change. I was not provided any notice or any information or correspondence from Freedom or XXXX. I never even heard of this servicer. Freedom provided me with XXXX phone number and stated that I needed to call them because Freedom no longer has any information regarding my mortgage loan. 
I immediately contacted XXXX, and they were rude to me, and did not have any information on file for me after I pressed, they transferred me over several times, and stated that they could see that my loan was transferred, but they dont have any additional information. I asked them whether my Principal Loan balance would remain at {$200000.00} and interest rate at 3.125 % as agreed to by Freedom, they stated that it should be the same. I asked them where and how to make my payments and they stated that they could not provide me with any information, so I needed to contact Freedom Mortgage. I explained to them that Freedom Mortgage stated that I needed to contact XXXX and provided me with their contact information because Freedom did not have any information, they stated that they would have someone from their management team call me back, but they did not even have my phone number, they did not have the most basic information regarding me or my mortgage loan, but instead provided me with general boiler plate responses. 
I am beyond frustrated and right when I thought that I was getting my life back together during this pandemic Freedom and Rushmore are operating like loan sharks, refusing to allow me to pay my loan, under the terms already agreed to, and refusing to provide me with additional information, such as where to make the payments to. 
I am sick and frustrated by this gross misconduct. Please assist. 
If you have any questions or need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or by email at XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2021 I have been trying to get Equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

accounts being dispute XXXX XXXX Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00}
Product: Vehicle loan or lease

First they removed my current payment method and added a checking account that was closed in XXXX, that we never added to our auto loan account that we got in XXXX. We went through a month of not being able to make payments to find out what happened. they said the payment method from the closed bank account was added by my husband in XXXX, we never added that method to our auto loan, yet they still did. Our account was locked and we had to contact the fraud department to have it unlocked and they made us create a new user name and password ( do not understand why we needed a new username? ) and now we try to login to make a payment this month and we are getting an error saying we need to re-enroll to online banking again! Why do we need to sign up for so many different accounts for XXXX auto loan? Also the customer service asks for you full social security number for verification which is very unsafe, I though they could only ask for your last XXXX digits? 

Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit XXXXXXXX and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit XXXX and select Sign Up, or call XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported incorrectly that we were late in a payment, when we have never been late in any payments in our lives and we always have our payment on autopay directly to them. XXXXXXXX XXXX  closed several of their locations and never notified customers of changes or of payment address change.Payments were clearing from my personal bank but XXXX system wasn't updating. They said they corrected it all but now that my husband and I are looking to purchase a new home our credit reports shows 1 late payment from them, which is affecting our credit rates. XXXXXXXX XXXX has advised that they have corrected it, but Equifax is showing as late and accurate. Both XXXX XXXX and Equifax are going back and forth and have not done anything to correct after 5 months. How can my husband and I get this resolved? Thank you so much!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$100.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was denied credit based on information that Equifax furnished XXXX. I will attach that information. I printed out my credit score from XXXX different agencies on the same day. XXXX credit agency said my Transunion credit score was XXXX and XXXX said my credit score was XXXX. None of the information at Equifax is correct and because of that I was denied critically needed credit. The information credit report is not reliable but it is life-altering. What each of the agencies report when the offer a XXXX credit scores at once deal, is not even remotely accurate. I am attaching snapshots/PDFs of credit reports reported on the same day. Note the difference. Also when I got individual report, my Experian credit score was closer to XXXX. This service is off completely. Also I had a huge problem getting free reports so I have had to pay for each of these more than once. Also on my identity verification quiz, these credit bureaus put in questions about people who were subsequent owners of a home I had. I do n't know them, I have no relationship to them. I had to guess XXXX XXXX 's birthday. I do n't know her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 an account without my written instructions.