23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am writing to express my frustration and disappointment with the recent issues I've encountered with my PayPal account. I recently sold a set of used XXXX on XXXX XXXX, and now, PayPal is requiring an invoice ( proof of purchase ), proof of delivery, and even identification to close my account or process the transaction. This request is not only unreasonable but also completely unnecessary, especially considering the circumstances. 
To give you a bit of context, I purchased these panniers, which were attached to a motorcycle around 15 years ago, and they were sold as used items in used condition. There was no formal invoice provided back then, as they were an integral part of the motorcycle I purchased. This would be similar to selling a trunk liner that came with a car, yet you needed to provide proof of purchase for the liner individually. The panniers were used for many years, and I recently sold them in good faith to another buyer. 
Now, however, I find myself stuck in a situation where PayPal is demanding documentation that simply doesnt exist. I can't provide proof of delivery because the item was sold via a marketplace, and while I did ship the item, I did not keep the shipping receiptthis wasnt something I anticipated needing 15 years after the purchase. Adding to my frustration, PayPal is also asking for identification documents to close my account, which is absurd given that this is a simple transaction involving a used item. 
It's incredibly frustrating that PayPal is making the process so complicated for something that should be straightforward. Ive been a loyal user of PayPal for years, but this experience is making me reconsider ever using their service again. I am unable to close my account, and it's causing a lot of unnecessary stress. Im reaching out in the hope that you can help me resolve this issue quickly and allow me to close my account without jumping through hoops for a transaction involving an item I sold years ago. 
Please assist in closing my account as soon as possible and removing these unnecessary restrictions. Your prompt attention to this matter would be greatly appreciated.
Product: Payday loan, title loan, or personal loan

XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account. 

On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers. 

Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unauthorized inquiries that have appeared on my consumer report maintained by your agency. Upon reviewing my credit report, I have identified inquiries that were made without my authorization. 

Enclosed with this letter, please find a copy of the federal law enforcement report documenting the unauthorized inquiries. This report serves as official documentation of the unauthorized nature of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to control who has access to their credit information, and unauthorized inquiries violate these rights. Therefore, I request that you take immediate action to investigate the unauthorized inquiries and remove them from my credit report. 

Additionally, I request that you provide me with a copy of my updated credit report reflecting the DELETION of the unauthorized inquiries once the necessary corrections have been made. 

Sincerely, XXXX XXXX List of Inquiries to be Deleted due to identity theft : XXXX XXXX XX/XX/2023 ( EQUIFAX ) XXXXXXXX XXXX XXXXXX/XX/2023 ( EQUIFAX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing mental anguish. I am going to sue EQUIFAX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED
Product: Debt collection

PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for XXXX credit cards through Credit karma. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Product: Credit reporting

On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America mess up my personal information with my sister, we are two different people with different SSN and address, but Bank of America always treat us as one person, they reported her credit card account into my credit report for many years. Either me or my sister has previously contacted Bank of America couple times to correct it in the past years, over the phone, the employee of Bank of America had promised to correct the information, however the bank never fixed it. In my recent home purchase this month, my lender charged my sister s credit card balance of {$350.00} to my loan CD even though I told them it doesnt belong to me, escrow officer sent me the check for this amount to pay to Bank of America. I still have the check on hand, dont know what the do with it, please help to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/year> the bank took all my money from my account {$1600.00}, cleaned the account, left it with XXXX money and wrote " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. I made a claim and requested the Bank returned my money. I was directed to the Fraud Dep't and I explained ten times, ten different calls, that there has been absolutely NO fraud in my account and requested the bank to return my money. 

To date, no explanation from the bank, no documentation, and no money! Nothing!
Product: Credit card

Throughout, I've diligently maintained prompt payments on this account, preventing any overdue instances. The reports of tardy payment comments on my accounts puzzle me ; I'm uncertain about their origin. Per 15 USC 1666b - Billing Error, corrections should be made.
Product: Bank account or service

TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.
Product: Credit reporting

Hi I have written Equifax 4 times about a Incorrect name on my credit report The have listed XXXX XXXX XXXX XXXX XXXX That is Crazy I am a victim of Financial fraud and Identity theft / PLEASE REMOVE " XXXX '' from my credit file. I never had that last name.
Product: Payday loan, title loan, or personal loan

I applied for this loan through quick credit on XX/XX/22 When I applied the website was messed up not allowing me to pick the proper pay days I proceeded because I thought it wouldnt be a problem to call and give them the accurate dates of my paydays since there sight was at fault and like every other loan company that does not have a problem with correcting that I called to tell them that their website was messed up and didnt allow me to pick the proper paydays so I can pay back the loan this company has charged me double interest and argued with me that they can not change my paydays to the right days of my payday I told them that if they didnt my account will be overdraft which they did do seven days after I had made an payment they took another payment they explained that they were not going to change my paydays to the right days and here is a copy and look at the interest this company does not want to work with me being unfair because they want to charge more interest
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediatly. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently files a lawsuit against Experian, Alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX I received a business debit card from square up with my name and address on it, when I called to report that this was a fraudulent account and that I never contacted them they said they would " start an investigation ''. When I asked they said that someone would have had to actively open a debit account in order to receive their card. I told them that this is identity theft then. I have since received a second business debit card from them now with the business name adjusted by one letter. I have not received an update on their " investigation '' nor do I believe they are actually doing anything to prevent further misuse of my identity.
Product: Bank account or service

On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.
Product: Debt collection

I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$600.00}, XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$490.00}. XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$5500.00}. XXXX  ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. Balance {$0.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. Balance {$100.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Debt collection

Yesterday my husband XXXX XXXX received a phone call from a lady that identified herself as an employee of Portfolio Recovery calling about my old credit card. She tried to get him to agree to either set up payments, pay a reduced amount in exchange for it being settled but she kept stressing that it had to be done before XX/XX/XXXX. He argued with her because he knew this card was only in my name and he had no idea why they were calling him. She gave him all of my information including the last four of my social security number. She should not have given out my information. That violates the FDCPA.
Product: Debt collection

This collection agency is calling my BUSINESS number looking for a family member. They are also calling before XXXX XXXX. Number 1, illegal to harass family members and question them, number 2, illegal to call that time of the morning. RUDE, threatening, just disgusting behavior. I have reported them to local autholrities and I have blocked their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Mortgage

My forbearance ended XX/XX/2022 and I applied for assistance with my mortgage company but was only approved for a short sale or deed in lieu which I denied. I learned from the local housing fund that my mortgage company can not require me to pay my forbearance balance in one lump sum which they are requesting. I was told by a representative from the mortgage company that I could get the loan current up to 90 days and then they would offer assistance but I can not do that. I was approved for a housing fund grant to pay arrears but the mortgage company is stating my home can go into foreclosure at any time. I have not received any foreclosure documents or information for assistance.