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

On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. 

" You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained.
Product: Credit card or prepaid card

I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX   Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies ( Transunion, XXXX and XXXX ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR TRANSUNION, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXXXXXX XXXX  XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood. On XX/XX/2023, I wanted to transfer my XXXX  from Robinhood to my wallet outside of Robinhood. I went through Robinhood 's verification process. I received an email stating that I could now send and receive crypto. I went into Robinhood and logged in. Then they asked for my authorization code which I have on my XXXX XXXX. I pulled up XXXX and started to transfer XXXX to my wallet. I received a pop-up that said I could not take the whole amount. I adjusted the amount to XXXX and it went through as okay. Then I clicked the send button and Robinhood automatically restricted my account. I can not do anything with it as though they are holding my crypto hostage. I then proceeded contacting their chat. XXXX from Robinhood told me there was nothing he could do that it had to go to the Restricted Team. The only way to reach them was to request a call back. I waited all day yesterday and no call. This morning at XXXX AM, I received a call. After going through verification I was told she was from the Brokerage Team and I needed to speak to someone in the XXXX  XXXX. She told me that she would transfer me that there was no one before me. I was transferred. After waiting XXXX minutes, I was disconnected. I then again went on line and requested a call back again. I received a call back at XXXX AM. I was verified again and I explained the problem. I was told again that she could not help me that I had to speak to the Restricted Team. Again, she had to transfer me. When someone from the Restricted Team picked up, I again was verified. I explained the situation and I was told there was nothing she could do that my account was going through a review and that someone would get back to me. I told her that I felt as though there was some type of fraud going on that I have a right to my XXXX and that I was going to file a complaint. She said she would inform the reviewers and maybe they would put a rush on it. She also said that they were protecting me. I said... no... Robinhood is protecting themselves.
Product: Debt collection

I continue to receive harassing phone calls from the " Law Office of Charles McCarthy Jr. & Associates. '' I have received phone messages approximately weekly for at least the past two months. The caller identifies himself as an employee of " the Law Office of Charles McCarthy Jr. & Associates '' and requests that I call him back. I have been told to never return these calls because I owe no debt and if you return his call you have then verified your number and existence. 

I am XXXX years old and again, and I owe no debt. 

Please see the attached link for information, XXXX XXXX XXXXXXXX. 

Also, it should be noted that I have never received written correspondence that I owe a debt of any type. Also, I have never filed bankruptcy. His address, phone number, email and Web Site is noted below : Law office of Charles G. McCarthy Jr. & Associates XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) -XXXX Fax # XXXX XXXX XXXX XXXX XXXX/ Again, refer to the following : XXXX XXXX   XXXX. This is an on-going issue.
Product: Credit reporting or other personal consumer reports

I request the removal of hard inquiries that I do not recognize from my credit report... 

Equifax XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX, XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 Balance {$790.00}
Product: Debt collection

My credit report states that I have/had an account thru XXXX XXXX XXXX opened in XXXX, and I NEVER EVER had an XXXX XXXX XXXX  account. I have been on my husbands plan since 2013. Either my information had been fraudulently used or an ex spouse opened an account under my identity. Its not my account, I have no account number, no bills ever came to my house or nor did I receive a cell phone from this company. My identity must have been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX Balance {$660.00} XXXX  XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX, XXXX XXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.
Product: Credit reporting or other personal consumer reports

Navy federal credit union has not responded to my attempts to solve an error on my credit report for XXXX. I have contacted the XXXX  on XXXX and XXXX federal has not responded back. The XXXX  sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of XXXX XXXX XXXX consumer complaint on XXXX. XXXX federal has not responded to the XXXX XXXXXXXX request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the navy federal portal. And they have refused to reply to my Jams demand for arbitration. Navy Federal must engage with their customers and allow us a venue to solve our disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act, SYNCB/CARE CREDIT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.
Product: Mortgage

We have been getting multiple calls to refinance we told them that we are not interested to take our account off all marketing calls. We told them 8 times and we told it would be 24 hours to 30 days. We waited the 30 days and still getting calls. Been doing this for 5 months and still not fixed. After we talked to a supervisor after being hung up on when asked to take off marketing again we found no one was putting in the request and notes were on the account to be taken off but no one listened. I dont think it will be done again and tried of trying to get it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXX/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
Product: Checking or savings account

Opened a new business checking silver account to attain a {$500.00} bonus by depositing {$5000.00} in 30 days and keeping it for 60 days. 

I linked my XXXX XXXX XXXX  using my U.S. bank app and on XX/XX/23 I initiated a {$2500.00} transfer and a second transfer the following day XX/XX/23 of {$2.00} for a total of {$5000.00}. 

The funds were posted on XXXX on XX/XX/23. I could no longer access my U.S. BANK account as of XX/XX/23 because they revoked access to my account and would not tell my why, and still do not tell me why. One thing Im told is that my XXXX triggered e fraud and my account was limited. 

My money of {$5000.00} is missing and still hasnt been refunded and US BANK is saying they never received it nor did it ever complete but I have email stating the opposite and the money is gone from my XXXX account All the Bank managers and representatives at US bank have been lying and deceiving. 

I just want my money back!! Its been over 10 business days
Product: Checking or savings account

Unauthorized transactions ( total of 13 transactions ) took place on my Wells Fargo checking account as following : XX/XX/22 {$390.00} ( same day 12 times ) XX/XX/22 {$190.00} ( one time ) Total loss of {$4900.00} through a debit card. 

I had filed a claim on XX/XX/22 with Wells Fargo. They had concluded these transactions are authorized and closed the case on XX/XX/22. I disputed this conclusion several time, but going nowhere. 

I need help to get my money back.
Product: Debt collection

In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. 
There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. 
In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). 
I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX  continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. 
Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. 
I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? 

I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.
Product: Credit card or prepaid card

I was charged interest of {$22.00} on an item I did not have possession of. The purchase was made XX/XX/XXXX for a refrigerator in the amount of {$960.00}. It was supposed to be delivered on XX/XX/XXXX. I went to Home Depot and cancelled the order on XX/XX/XXXX. My statement shows I received a credit of {$950.00} ( don't know why {$10.00} difference, but that's not the problem ). It also shows an interest charge of {$22.00} on XX/XX/XXXX for the refrigerator I NEVER HAD POSSESSION of. This is continuing the rip off by Home Depot of what they describe as " practices complying with all applicable laws ''. No wonder they push for paperless statements. 
I recently filed complaint XXXX against Home Depot 's billing.
Product: Credit reporting or other personal consumer reports

LexisNexis can refer to XXXX XXXX : XXXX Case Number : XXXX to search my case in their database. 

I met with a car accident in XX/XX/year> and as per police record I was not at Fault and my insurance claim was also paid by the insurance company of other party, the driver at Fault as per police record. I requested a consumer report from LexisNexis and it also said that I was not at Fault. However, when the insurance companies check in XXXX 's database before issuing me a quote it appears that their record still show me as a driver at fault in their database. This has led to a significant increase in my auto insurance cost. I am paying for the fault of LexisNexis consumer reporting.
Product: Mortgage

This loan was originally opened as a Home equity line of credit.  Under the terms of the loan it has now converted to a second mortgage.  I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement.  It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.  This loan appears on the XXXX major credit bureaus as either revolving or credit card debt.  It appears as if my balance is over a credit limit.  This makes me look as i have maxed out all available credit, and in fact am using in excess of XXXX% of available credit.  This drastically impacts my credit scores w the XXXX  major credit bureaus.  I have contacted both the Loan servicer Citibank, and the XXXX major credit bureaus.  Neither will fully assist me in rectifying this, what so ever. This is particularly true of XXXX who militantly lists this as credit card debt.   I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt.  This is drastically and negatively affecting my credit scores.
Product: Prepaid card

As a victim of identity theft, I discovered that there was an American Express Serve account opened in my name. When I informed the American Express Serve that the account was a fraudulent account, they proceeded to send an email to the email address of the identity thief and then the gentleman lied about sending the email. Once an account is flagged as fraud, typically the account information is not used. Per the FTC, under the authority of FCRA 609 ( e ), 15 U.S.C. 1681g ( e ), I am entitled to a copy of any information pertaining to the opening of the account and any account information available. Despite the fact that I 've sent them a police report, an FTC affidavit, and valid identification per the requirements of the FTC, they refuse to work with me on the account information, I 've been hung up on, I found that someone claiming to be a supervisor in their fraud department ( Account Protection Services ) has no fraud training, I 've spent hours on hold with associates that are ill equipped to deal with a fraud case.
Product: Credit reporting or other personal consumer reports

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory XXXX XXXX COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 
Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( XXXX ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( XXXX ) and or derogatoriness ( es ) reporting and inadequately alleged.