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

Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. 
My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. 
Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. 
She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. 
The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. 
Shortly thereafter they closed her acct, trying to freeze the funds that were in it. 


I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. 
I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. 
I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. 

Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. 

In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. 

As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? 

The federal government should not let PayPal get away with the things they do ( just XXXX   consumers complaints about their practices ) and need to start demanding answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Product: Credit reporting

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170000.00} XXXX XXXX XXXXXXXX Balance : {$490.00}
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2023 an impersonator went to an apartment complex ( XXXX XXXX ) and tried to rent an apartment with my Credit. On XX/XX/2023 I was checking my credit and noticed a collection had been started on XX/XX/2023 in the amount of {$420.00}. I immediately froze my credit and filed a dispute through XXXX, XXXX, and XXXX. On XX/XX/2023 I called the apartment complex and spoke to the lady that handled the transaction and she admitted to me that she knew it was fraudulent but had to send it to collections anyway, at this point I contacted the collection agency and started a dispute. I also filed with XXXX XXXX Police Department and they put together a Case # XXXX.
Product: Debt collection

On XX/XX/2023 XXXX added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX  Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Dferit\Indebted has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX  ; Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I have been getting contacted about having a debt from a Portfolio Recovery Associates of {$8800.00} which was opened on XXXX of 2018, which I had know knowledge of and have had to replace my credentials quite a few times between the years. I would dispute the collections account that was on my report, but to no avail, it has remained. I was always told that XXXX XXXX is not the best way to look at things on your credit report so I decided to invest in XXXX to see if it can give me further details on this account. Sure enough I got the description that this was a joint account with a former spouse of mine XXXX XXXX XXXX, then it all made sense. My ex would hint to utilizing me as a co signer on things he wanted to get, either cards or cars. We tried for some cars a few times, on his devices, so he had access to my sensitive information. We had a bad falling out when I told him I need to build my credit before trying to use it, so he used my information without my knowledge.
Product: Vehicle loan or lease

On XX/XX/2022 I received final refinance loan documents. These were completed and returned by prepaid FedEx provided on XX/XX/XXXX, XXXX, along with witnessed XXXX XXXX for the transaction and my vehicle title. 

On XX/XX/2022 I was called by the company and they requested that I change my insurance policy name to match my abbreviated name on my NY drivers license. I told them that the NY XXXX has always abbreviated my name because they can't fit my full name on the license. I also told them that my full legal name is on every document associated with this transaction, my license and my insurance have been this way for decades, that their request was completely unreasonable, unnecessary and that we could forget this whole transaction if they pushed this matter. 

Today I contacted the company to find out the status loan and was told " I took a look at your application and I found that it was closed after we attempted to get an updated insurance card, and we unsuccessful. This was needed to move forward with the refinance, and since we were unable to obtain it, your application was closed as a result. '' This company kept asking for more and more and more every time I spoke/texted or dealt ( emails ) with them. I do not think their name change request was ethical, moral and perhaps not even legal. My complaint is about these shoddy business practices.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

Got credit alert on XX/XX/year> about an inquiry from CBNA/THD , which after XXXX  I determined was for the CitBank Home Depot credit card . 

This was a fraudulent attempt by someone to open an account in my name. 

My complaint is that Citibank makes it NEAR IMPOSSIBLE to speak to a person who can help. 

I tried four different phone numbers 1. The phone number listed on my credit report alongside the inquiry 2. XXXX for a Citibank fraud # and tried that one 3. XXXX  for a Citibank Home Depot specific # and tried that one 4. Call a general Citibank phone # In all cases ( even if you get a human in a call center ) you inevitably end up in an automated system that wants you to provide an account # to verify your account. 

I am not a customer and therefore can not get validated, so I eventually get disconnected.

I spent 1.5 hours calling 4 phone numbers, before I was able to get DIRECTLY CONNECTED to someone within the fraud department who could investigate this for me. 

They were able to reverse the credit application and start the process to remove the inquiry.

BUT MY COMPLAINT IS THAT THEY SHOULD HAVE AN EASILY ACCCESIBLE PHONE # FOR FRAUD THAT ALLOWS SOMEONE WITHOUT AN ACCOUNT NUMBER OR APPLICATION REFERENCE # TO SPEAK TO A PERSON WHO CAN HELP Over the years I have had several fraudulent credit cards opened, and every other institution was fairly easy to get ahold of. CitiBank by far has been the absolute WORST
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit XXXX XXXX XXXX # XXXX, has violated my rights. 
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 and purpose.
Product: Debt collection

Upon reviewing my latest credit report, I found multiple accounts that appear fraudulent and were added without my consent.
Product: Credit card or prepaid card

On XX/XX/XXXX, I receive a call that displayed as from XXXX XXXX XXXX. The caller identified himself as from XXXX XXXX XXXX. He explained that my card was showing suspicious activity and wanted to know if I had lost my card. I told him no it was still in my possession. He said he needed to put a stop on my account and would issue me a new card. He needed to confirm my pin and would send out a new card within 24 hours. 
After the conversation, I immediately called back the number that had called me and I received the XXXX XXXX XXXX recording, so I felt the call was legitimate. 
The next morning I received a notification that my account had dropped below {$20.00}. I immediately logged onto my account and found that {$500.00} had been removed from my account via ATM in XXXX, Florida. 
I immediately called to report what happened and was told I would receive paperwork to complete in 3-5 days. On the 5th day I called to ask why I had not received the paperwork and was told I had not given them enough time. I went out of town the following week and when I returned I had the paperwork but the deadline to return it had passed. So when I contacted them back they said my claim was denied, so I appealed, with a appeal letter and all the information they requested. I the called to make sure they received everything. They did. I was told it would take 45-90 days for an investigation and for me to call back for updates. I called back about once a month, and each time I was told The was nothing to report, call back. After the 90 days I started calling more often. Every time I was told there was no updates they was sending an message to the appeal department and call back in 72 hrs. I have been doing this since XX/XX/XXXX. When I called in XX/XX/XXXX I was told they had been trying to contact me for a week, calling everyday. I had received no calls and had no messages. Now I was told to hang up and wait for them to call and make sure i answered. I made sure they had the phone number correct. I waited 5 more days and called back. When they looked me up this time I was put on hold then told I needed to fax my letter of appeal and information in again. You can imagine my response and I ask them to repeat because they are hard to understand and I thought I had heard wrong. No they said they did not have my information. I ask them why it took 6 months for them to tell me that and they said they couldnt tell me, they just didnt. 

This is a card provided to me by my employer and my paycheck is deposited by weekly. It is a visa and is used every where. 
I have refaxed all the information again Saturday XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX i have a suntrust/Truist my account had been locked a year it's been closed open closed open to locked for withdraw i have did everything i was suppose to do and is still locked i have XXXX dollars in my account i want to be able to access my account since the merge to Truist bank i have not recieved my card and not been able to access my account online
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for two years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XXXX ] XXXX [ XXXX ] [ Experian ] XXXX XXXX XXXX [ XXXX, TX. XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information. 

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX ]