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

I am filing a complaint regarding Paypal. I opened a Paypal account and soon after opening it was hacked. I filed a case with Paypal as well as my credit card company who ultimately resolved the issue and refunded the charges. However, the case with Paypal, opened on XX/XX/2023, has been left open by Paypal and I did not hear anything further about it. On XX/XX/2023, I contacted Paypal after receiving emails about an invoice on Paypal from someone looking for payment from me ( that I had no knowledge of ). I had already detached my credit card from Paypal after the initial hack back in XXXX and I now wanted to close the Paypal account given the email I received and concerns about Paypals security. However, I was told by multiple people at Paypal they would not close the account unless I submitted more information via a link they would send. Please understand, I have no interest in submitting a copy of my personal identification via a link to Paypal considering the lack of security I have experienced. To be clear, all I want is the account closed and I was told by multiple people ( including XXXX, employee ID # XXXX ) that they would not close the account unless I provided more information. If Paypal was willing to let me use the account without this information there is no reason why they cant also close the account.
Product: Money transfer, virtual currency, or money service

I created an account with Gemini on XX/XX/XXXX. Once I transferred funds over to purchase crypto, Gemini randomly froze my account. I reached out to report this issue and they had me send over ID information. Afterwards, they went unresponsive for days. I emailed them again to ask about the process and they sent a generic email with no information or update about my account. They lack in customer service and have not share information as to why my account is frozen or how to receive the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Debt collection

LOCKHART MORRIS & MONTGOMERY at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$5400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against [ transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On [ XXXX ], I discovered discrepancies in the following account ( XXXX ) : XXXX. XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Debt collection

Company engaged in frequent calls and mail for a debt not owed. The debt was for a toll in XXXX  which has previously been paid. I asked for the business to stop contacting me and they said they could not stop contacting me until I paid the money or that I would have to send a dispute letter. The supervisor said they would put a note on my account that says cease and desist, but they still have my contact information and private data that I did not supply to them or consent to receive communications from them.
Product: Credit reporting or other personal consumer reports

I have multiple accounts that have been charged off showing both a past due amount and a total outstanding balance. when an account is charged off the balance should be zeroed sense the company has written the account as a loss. Also when the account has been charged off the company is required to provide me with a XXXX in witch i have not received any. with the inaccurate information and some of the companies have turned over the remaining balance to debt collectors these accounts need to be deleted from my credit reports immediately
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring a serious issue to your attention regarding the non-reporting of my paid-off loan by the credit bureaus. 

I had a loan from HSBC, which I have completely paid off as of XX/XX/year> in the amount of {$48000.00}. However, despite making several requests, my credit report does not reflect this crucial information. This non-reporting is adversely affecting my credit score and thereby my capacity to secure future credit.

Under the United States Code Title 15, Section 1681s-2 ( a ) ( 5 ) ( A ), it is stated that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days ( certified mail tracking number in attachment ) after furnishing the information, notify the agency of the date of delinquency on the account. This implies that it is the duty of the HSBC to inform the credit bureaus about the status of my loan and it is the responsibility of the credit bureaus to update this information promptly and accurately. 

Unfortunately, this has not been the case with my situation. Despite having fulfilled all my financial obligations, the credit bureaus have failed to accurately report this, thus infringing upon my consumer rights as per the Fair Credit Reporting Act ( FCRA ). 

I kindly request the CFPB to intervene in this matter and ensure that the credit bureaus rectify this error promptly. I am attaching copies of the loan settlement documents as evidence of my claim. 

I trust that you will address this issue expeditiously and ensure my rights as a consumer are upheld.
Product: Credit card

I was communicating on XXXX with the owner of a physical jewelry retailer, XXXX XXXX of XXXX XXXX XXXX, on the evening of XX/XX/year> regarding the special pricing and purchase of a vintage necklace ( XXXX XXXXXXXX XXXX XXXX XXXX ). After agreement on pricing, he sent me a link to his website that showed the new discounted price of the item- {$5000.00}. The website looked familiar as I had purchased from this retailer before. I went through the same previous steps of checking out and paying with my PayPal account. Upon purchase completion, I received a PayPal confirmation with the name of a merchant that did not look familiar ( XXXX XXXX with e-mail address XXXX - Transaction ID XXXX ). The retailer messaged me today, XX/XX/year> notifying me that they were still waiting on my purchase. It was at this time that it was confirmed that the account was compromised and that this transaction was unauthorized. 

I filed a police report with the XXXX Police Department and disputed this charge with PayPal ( who also issued the XXXX I used for this purchase ). PayPal determined there was no issue and closed this case.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX Ref. : Complaint against SallieMae reporting Dear Sir or Madam, I am writing to dispute the information related to a loan number XXXX XXXX XXXX XXXX of the amounts {$18000.00} that SallieMae charge without my knowledge. The first time that I received an email from that financial institution I did not answer because I thought that was a mistake until I noticed it reported me to the credit bureaus.

SallieMae has associated my name with a certain XXXX XXXX, one of my classmates at XXXX XXXX XXXX who used to study with me. In all likelihood, this gentleman would steal my identity to go take a loan. Despite of my last name, I do not have anything to see with that borrower who is just a fraudster or identity thief. 

In spite of the emails received from SallieMae, I never wanted to contact the bank to not have difficulties. The Financial Institution has destroyed my credit score by reporting me unfairly to the credit bureaus. As you can see, other than this incident, I am a valuable customer and I pay my debt pretty much on time. 

With these considerations, I am requesting that your department reinvestigate this matter, the disputed item as soon as possible, and that the item be deleted from my credit record to correct the information. 

Enclosed are copies of supporting my position. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Using my personal information he had access to behind my back, former friend, XXXX XXXX XXXX, added me as an authorized user to his Capital One Mastercard acct ( # XXXX XXXX XXXX XXXX ) without my consent and approval. 

He recently became late on his payments and I only became aware of the delinquency because I had a dramatic drop in my credit score caused by XXXX XXXX adding me as an authorized user to his acct without my knowledge. 

I explained all this to Capital One and they removed me as an authorized user but said they could do nothing to clear my credit report from this reported delinquency. XXXX said they could remove this entry if I filed this report with you, and that's why I am doing this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX Acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Discover Card is continuing to show the shady ethics of a back alley loan shark while their false advertising campaign shows a world of sunshine and rainbows. The longer than necessary dispute with them over unauthorized charges has been rewarded with charges being placed back on my account. Three charges of XXXX dollars with the label of, " XXXX XXXX XXXX  '' have shown up on my statement ending XX/XX/2022. Discover Card needs to be shut down and it's business license suspended due to a lack of honesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A 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 1681c. ( A ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which atendates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am writing to resolve a bona fide dispute which is ongoing since XX/XX/XXXX. After requesting the original instrument of indebtedness in its original form, I received no confirmation that the as of yet unnamed real party in interest is in possession of the original instrument or that it even still exists. Neither the holder in due course, nor possessor in due course with rights to enforce the instrument, has been brought forth or otherwise identified, making it impossible for me to have informed use of my credit in the supposed consumer credit transaction ( s ). 

In my good faith attempts to settle all controversy at arm 's length and without judicial intervention, I tendered an instrument with ample notice of my intentions to discharge the alleged obligations. 

The purported servicer accepted my money order of {$100.00} from XX/XX/XXXX, with a restrictive endorsement stating " Negotiation of the instrument signifies satisfaction of all claims. '' The purported servicer reported {$100.00} of payment for the alleged loans and failed to send me notification of the satisfaction of all claims with the removal of all items of information furnished by them from my credit reports. 

On XX/XX/XXXX, I received an email from Aidvantage claiming that I owe the payment amount of {$590.00} on XX/XX/XXXX.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Home Improvement loan with Concord and a balance of {$16000.00} which I paid off on XX/XX/XXXX and they wont update the credit report with a XXXX balance so my rating is going down because it looks like I have XXXX more debt then I should have total. I submitted a dispute and they said the info is correct which it was for XXXX but they have not updated the info to the credit bureaus for 3 months.
Product: Debt collection

I do not understand what they mean that it will be deleted in XX/XX/XXXX but no specific deletion date. A little more explanation would be appreciated. Also, why is it every month that it is being added that I was just delinquent with the account. Like for XXXX it keeps alerting me that I have been recently delinquent and when I click the alert it shows XXXX XXXX. I still believe XXXX XXXX is not following the laws for reporting and FDCPA. I have never see anything truly validation and or verifying this account. I have asked for those documents to prove that it is validated and verified but nothing XXXX XXXX keeps ignoring my letters. Just like that one woman said on the phone if I keep sending letters she will ignore them. I thought that was against the law. 

I have tried multiple times to get this account fixed and resolved but when XXXX XXXX states one thing and does another it pushes me to keep reporting the illegal actions they have done. Threatened me when they first contacted me in later part of XX/XX/XXXX, by saying that if I do not pay this now I will have a hard time for 7 years to get any credit or jobs. I asked them to at least verify the account. I sent in letters trying to see if the company can validate and verify this account is mine. I never got a response back but only more and more phone calls trying to get me to pay this bill. But avoiding to fulfill my requests which is my right by the FDCPA.
Product: Credit card or prepaid card

A letter was written to the credit card company on XX/XX/2020. The credit card company acknowledged receipt of the letter but provided no other response or resolution. This complaint is to follow up on that letter and the credit card company 's lack of response and resolution. 

This BJ 's mastercard/credit card account was opened at the end of XX/XX/2020 as a result of in-store customer service prompting along with the advertised rewards for opening an account ( XXXX XXXX ). A  few weeks later, as a result of additional in-store customer service prompting along with additional advertised rewards, the account was upgraded ( XXXX XXXX ). To date, none of the advertised rewards have posted to the account. 

In addition to the above, a bill was recently received on XX/XX/2020 which suggests that the annual BJ 's membership fee that was {$25.00} per year for many years has now increased to {$110.00} per year. There is absolutely no explanation regarding this significant and substantial increase - especially during a pandemic crisis. Further, auto renewals of the BJ 's membership was never authorized. This membership has been in effect for many years and it has never been auto renewed. 

Feeling robbed, ripped off, and bamboozled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$43000.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$820.00}
Product: Checking or savings account

My mother passed away in XX/XX/XXXX, and I contacted the bank to inform them of her passing a few days later. I requested that they place a lock and a post no transactions on her account, which they informed me they would do. When I was able to take the time to go in to close her account in XXXX, I learned that they allowed XXXX debits to come out of her account. I requested to put in claims for the XXXX items that came out of her account and I was told that they were going to investigate the matter. I never heard back from the bank and had to follow up on numerous occasions. I requested the matter to be escalated because I wasnt getting any updates and was told that it was still being reviewed. The Branch Manager, XXXX XXXX was the person helping me, but I did all the follow up. I finally heard from a district manager, also named XXXX, and an operations manager, I believe was named XXXX. Both informed me that they would be following up with me. This was back on XX/XX/XXXX and I have received XXXX follow up yet again. My original claim was started on XX/XX/XXXX with Flagstar Bank and to this day, they have not provided any updates to me.
Product: Checking or savings account

I have money on my cash app and cash app is not allowing me to deposit my funds to my bank. please help me retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX conducted a hard pull on my Equifax credit report without my permission or authorization. I contacted them a month ago through a page on their website demanding that they correct the error but the hard pull is still reflected on my account. I have never done business with XXXX, am not interested in their services, and do not want them accessing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX   XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX  Account Number : XXXX