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

This is the second complaint that I have filed against PayPal. The issue has escalated. I do believe that I am now facing punitive harassment on my account from PayPal as a result of having filed the previous complaint. Here is the issue... 
I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait 72 hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been 72 hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients. 

As of today, I was told aggressively by an agent named XXXX in the " fraud '' department, that my funds would be held for another 90 days. As I tried to explain to him that my funds had already been held for 30 days he began to yell that I was not going to interrupt him. At the point of my phone call every sale that I make was placed in a hold status. Although the platform AI tells me that my funds will be released to me in 24 hours they are not. When I call to speak to an agent for assistance, it truly depends on the demeanor of the agent for whether or not they will look at the account and assist me. Those that will review it and see that I have met every standard to receive my funds. Those that will not simply say that nothing can be done, just wait. 
I can not successfully earn a living with PayPal holding my funds. I have explained the nature of my business several times to several agents. There is a letter regarding my business from the platform where I offer my services on file with PayPal. An added note is that although PayPal holds my funds and won't allow me to access them, they do take their fees from each sale upon receipt. 

I would again ask that PayPal stop this harassment and allow me to operate my business.
Product: Money transfer, virtual currency, or money service

After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT   has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I took out a Title Loan on my XXXX XXXX XXXX. After failing to make payments, my car was repossessed. I paid nearly XXXX and my car was returned to me. I again fell behind in payments in early XXXX and attempted to make a deal with the Title Loan Company, LoanMax. They agreed to a {$500.00} settlement. I told them I would need at least until XXXX to make this payment. Halfway through XXXX my car was repossessed. I called LoanMax and was told it would cost {$900.00} to get my car back and was provided a number where the vehicle was being held. I called that number but was unable to get any information. Then, the pandemic hit. I called both LoanMax and the number they provided for days on end and no response. 

Fast forward to yesterday XX/XX/XXXX. I received a letter in the mail stating that my vehicle had been sold and I was due the overage amount as a refund, {$2200.00}. I contacted the company, Select Resource Management as they letter stated and was told it will take 120 days for me to get my refund via certified mail. This is outlandish and unacceptable. 

Reviews of the company via XXXX show that many consumers don't get their refund in that 120-day window and some have never gotten it. I don't want to experience a similar situation. The vehicle was sold at auction on XX/XX/XXXX, Select Management Resources was paid and now I want my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX  {$730.00} 9 ) XXXX XXXX  {$160.00} 10 ) XXXX XXXX XXXX$110.00} 11 ) XXXX XXXX  {$60.00}
Product: Credit reporting or other personal consumer reports

I contacted transunion about inaccurate report on my credit report and asked them to please provide me with debt proof, my signature and any other proof they didn't respond or reply I sent certified mail and received signature of recipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}
Product: Checking or savings account

XX/XX/year> I initiated a {$250000.00} transfer from Marcus to my linked XXXX XXXX XXXXXXXX savings account via phone. The Marcus agent told me that everything looked good and I should be seeing the funds hit my XXXX XXXX XXXXXXXX account within XXXX business days. 

XX/XX/year> The transaction is listed as posted on my account and is in process. I got a call from Marcus same day about verifying my account. They kept telling me they couldnt verify my phone number and identity even though I answered all their questions appropriately in order to verify that I initiated the transfer. Multiple agents werent able to give me an answer as to why. The last agent I spoke to on this day finally said that the transaction will be reversed for unknown reason and I should try to initiate the withdrawal again. 

XX/XX/year> Around XXXX I initiated another {$250000.00} wire transfer from Marcus to XXXX XXXX XXXXXXXX via phone. 

XX/XX/year> I called XXXX XXXX XXXX about my second transaction attempt. They informed me that because the first transaction was reversed the funds were on hold until XX/XX/XXXX. I informed the agent that I would LOSE MY HOME if I dont get this withdrawal in time in my XXXX XXXX XXXXXXXX account. She noted to expedite my case to some other Marcus department. 


Sometime later during the day I finally see my {$250000.00} in my XXXX XXXX XXXXXXXX account. I called XXXX XXXX XXXX to confirm that the funds have been received on their end and I may use the funds as I wish. I called Marcus as well to confirm everything went through. 

THIS WAS THE MOST STRESSFUL THING IVE EVER EXPERIENCED IN MY LIFE. Their identity verification process is so horrible. Putting their clients LIFE SAVINGS funds on hold for more than a week is insane. A lot of people use Marcus as their emergency funds. I can not stress this enough. I WOULD HAVE LOST THE DEAL - MY FIRST HOME PURCHASE, AND MY EARNEST MONEY DEPOSIT ( {$27000.00} ) if the funds from Marcus didnt transfer to my XXXX XXXX XXXXXXXX account in time. Please fix this. I will no longer be doing business with Marcus. HORRIBLE CUSTOMER SERVICE. No one seemed to give me a straight answer whenever I called. TERRIBLE!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address.

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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  Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/XXXX  ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

company is fully aware this is identity fraud, but are refusing to remove erroneous debt. They are trying to extort me to pay a debt I don't owe. Moreover, they are still using harassing calls and intimidation to force me to pay a debt I do not owe. In addition, they were force to remove previously and replaced it back on my profile.
Product: Debt collection

Today XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX called my mom dont know how they got her number telling her I need to contact them ASAP regarding a legal claim. When I called back XXXX answered and was trying to say I had a bounced check for a loan from XX/XX/2016 from XXXX XXXX XXXX who by the wG is illegal in the state of California, but when I told him I never received a debt validation written notice he said a thats why were giving me a courtesy call then he started to get mad saying I dont pay my debts so I started going off on him questioning the legitimacy of the company asked for his business license he hung up. Then I called again and some supervisor answer and was trying to verify my info I said no until I get that written notice am not verifying XXXX and he said I dont have the license number we dont have to provide it. I said I dont give a XXXX do what you got to do if that means well see each other in court so be it. And he hung up never once did he disclosed my name is XXXX this is an attempt to collect a debt nothing this people are rude and nasty but when you treat them the same they hang up. They think there smarter and can scare you wrong person
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice a fraudulent account from my report. Please remove these account on my report, they are hurting my ability to obtain credit.
Product: Debt collection

This is my 3rd attempt to get this resolved. The collection is lying about the date of last activity. I have uploaded an old credit report to prove the date of last activity. They are lying about this. Plus this is what the FTC says about collections : Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report. 

I have attached a copy of my credit report from XXXX showing the correct date of last activity ... again. You have no documentation proving anything has been done with this debt other than it being sent to you ... that does not constitute a change. 

This debt will be 7 years old in XXXX, XXXX and what the collection agency is doing is against the Fair Debt Collection Practices Act. If this is not corrected or deleted i will be filing a complaint with the Federal Trade Commission against them.