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

I transferred money into my US Paypal account on XXXX of XX/XX/2023 in the amount of {$9700.00}, where it was immediately put on hold by Paypal. They mentioned that this is a " Tax ID Hold '', and if I did not provide any form of US Tax ID, they would take 24 % of the amount and send it to the IRS as withholding tax. I was immediately unable to use any of the funds. 

Given that I opened this account while I was a student in the XXXX, I'm not a US tax payer, nor do I have an ITIN or SSN that could fulfill this Tax ID requirement from Paypal. I'm from XXXX and I pay tax in XXXX. 

Having shared this information with them, including a filled IRS XXXX indicating that I am not a US tax payer and as such, the funds should not be taxed or held, Paypal proceeded to limit my account and prevented me from withdrawing any of my funds. Further communications with Paypal representatives were not helpful as no one could acknowledged the specific tax issue I had, and instead shared generics about why the account was limited, and there were no guarantees given by Paypal that they wouldn't send 24 % of the funds as withholding tax. 

In addition, now that they have limited my account, they are withholding my funds for 180 days without any justification. 

The Paypal case reference is XXXX.
Product: Credit card

Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XXXX XXXX, I discovered that my XXXX credit limit had been slashed from {$29000.00} to {$12000.00} without any warning. I was not notified in advance, and the only communication I DID NOT received any email or mail on this decision. 
This reduction had an immediate and detrimental impact : My credit utilization spiked from under 10 % to over 50 %, harming my credit score despite my responsible usage and perfect payment history.

The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined for my daily expenses, stranding my family on that days purchases. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history.

Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A thorough investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX  XXXX  XXXX   XXXX  open XX/XX/2016 {$22000.00}, my name is not correct.
Product: Credit card or prepaid card

On XX/XX/2020, at XXXX XXXX, I went to a local XXXX Bank of America ATM to withdraw {$200.00} from my prepaid XXXX  card. The ATM disbursed only {$160.00}. I went immediately inside the bank, and was told to contact the bank. I contacted Bank of America and they said that because this is a prepaid card, they can not help me. I would like a difference of {$40.00}. Please see receipt from the ATM attached. I would think that if the ATM looks at the transaction number and the ledger from the day, it would notice this discrepancy.
Product: Debt collection

On XX/XX/2022, I had a XXXX  XXXX done through XXXX XXXX XXXX XXXX in XXXX. Thereafter, I received several bills- one  from the XXXX, one from the XXXX- which I paid, but nothing from the hospital itself. Then, in about XXXX or XXXX, I began receiving collections calls from Medical Revenue Services, which I understand to be part of, or the same as, Medical Data Systems. The calls were regarding a debt from XXXX XXXX XXXX XXXX for {$1200.00} that was part of the XXXX  XXXX I had back in XXXX. 

I explained to them that I had never received a single invoice regarding the debt until it was apparently placed in collections. I then called XXXX XXXX 's XXXX and told them the same. They advised they had sent me four invoices before placing the debt with XXXX for collections. I asked for the address to which they had sent all of the invoices. It turns out they had my street address misspelled as " XXXX '' when it was supposed to be " XXXX. '' I'm not sure why, particularly since the debt collector sent the mail to the correct address, as did the XXXX  and the XXXX. In any event, XXXX XXXXXXXX XXXX XXXXXXXX  let me know they would pull it back from collections. I then began to receive bills from XXXX XXXX 's for the debt. 

However, collections activity has continued by XXXX XXXX I have continued to receive harassing phone calls despite telling them that the debt has been pulled back by XXXX XXXX 's. On XX/XX/2022, after receiving yet another collection call from XXXX XXXX XXXX immediately called XXXX XXXX XXXX regarding the debt. They advised me that they had communicated with XXXX on XX/XX/XXXX that the debt had been recalled ; moreover, XXXX XXXX XXXX told me that if there was an error, it lay with XXXX, as the fact of the debt recollection had been communicated to them. I called XXXX back. They claim it was not communicated to them. 

Since I am the consumer, I don't know which company is lying to me, or which company has made the error. But I have told XXXX several times that the debt has been pulled back and they have continued to harass me with phone calls and debt collection efforts. I'm at my wit 's end at this point. I don't know what this is going to do to my credit and it's keeping me up at night. No one seems to care that this debt is apparently continuing in collections despite the fact that it's not even my fault it was placed in collections to begin with. I need this to stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to XXXX and Equifax stating that the XXXX  XXXX  remark on my credit were inaccurate. Not only had it been over 7 years since the first missed payment but that account was also paid off. Nothing was updated and I disputed again XX/XX/XXXX and still it remains on my report inaccurate despite me sending proof of the account being paid. 

On XX/XX/XXXX, I sent a dispute letter to XXXX and Equifax stating that the XXXX XXXX  remark on my credit I don't recognize. No update was made to my report on this dispute, and no proof of it being my account was provided. 

I am filing this complaint here as these inaccuracies continue to negatively affect my credit score and not accurately reflect my account status and payment history. I am requesting the CFPB 's assistance in investigating and correcting these as required under the Fair Credit Reporting Act. 

Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Charge Off Account. 

XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/2018. 
{$970.00} I went to western union on XX/XX/2018, to send money to my sister they told her they were returning the money back, {$970.00}. When I called them I felt harrased from so many personal questions from them and they just told me without any explanation that I was banned from sending or receiving money from Western Union. I need an explanation because I've been a Customer for year 's.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX  2 ) XXXX XXXX Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit was ran multiple times without my consent by different lenders
Product: Debt collection

NO response from this debt collector. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 VIA USPS certified mail. You can track this package using THIS tracking number. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate amount of late payments and is violating my privacy. 

15 US.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 a account without my written instructions 15 U.S.C 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 antedates the report by more man seven years 15 U.S.C. 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX Account ending in XXXX I'm filing a complaint due to reason be suspected fraud activity with this account an it being closed an settled in full I want it removed from my report because I didn't commit any kind of fraud at all.. I never wrote a check on the account or anything an it got closed without my knowledge..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my XXXX  credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to XXXX  numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXXt which is now called XXXX XXXX Also i have attached the police report below Transunion  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX  ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with Eastern Account System they did not provide me with the original contract as i requested, or have they provided a copy of certified receipt with my signature. 
EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XX/XX/year> {$570.00}
Product: Credit card or prepaid card

Despite my previous complaint against the unethical business practices of OPORTUN XXXX, and my clear and firm statement to them that I did not want their credit card, they have against my instructions added this credit card to my credit reports, a credit card which I have not even activated as I do not want it!
Product: Credit card

This is a closed account that I had opened over 20 years ago. Have been making regular payments but have not received any statements and have no access to online banking. Have been on hold for 1 -2 hours at a time. I finally spoke to someone and they sent me to collections and said my account " could '' be charged off but my account wasn't past due. I went to the bank and they said that my account was closed but not charged off and were able to tell me how much my payment was. Still made the payments. One payment in advance. I received confirmation from the banker in the branch. I have not received any correspondence from bank of america by mail or email. Never received statements after account was closed. I documented the events. Even in the branch they allowed be to take pictures and videos of them confirming my account was closed but not charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

There are multiple companies who have ran my credit with inquires I did not give them permission please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a XXXX XXXX account in XXXX and in XXXX they sent me a XXXX card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XX/XX/XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was offered a position by insurance offices of XXXX On XX/XX/XXXX. Was sent a request for background screening authorization, potential employer requested I sign an authorization for consumer background check. However the 3rd party company listed was accufacts. After a week, I contacted accufacts who stated they had no relationship with XXXX, and after a search on the internet found out this company was used. GIS did not contact to get my consent for background screening. 

What is worse the former potential employer has escalated a series of adverse actions based on this report. Contacted this agency who has apparently been working on the report since XX/XX/XXXX. Start date pushed back twice, so I escalated my concern to a supervisor named XXXX in XXXX who committed to sending the report to XXXX on XX/XX/XXXX.  That did not happen. The employer sent threat disguised as an offer letter stating that I would be released based on the approval of a background check. 16 days. It presented an unacceptable hiring condition cost me my employer, and have now contacted an attorney to see how to protect my rights.
Product: Debt collection

Comenity XXXX XXXX called my husband on XX/XX/19 and left a voicemail at XXXX:XXXX  threatening to take further escalating steps if I didnt return their call today. They then called my father and brother on their personal cell phones separately leaving similar messages. My family members are not associated with my credit profile in any way, nor are their phone numbers listed there or in any public forum. They are not authorized representatives on my account. Comenity XXXX XXXX is well aware that we are working with XXXX  XXXX XXXX  and has their contact info on our behalf. These three contacts are in clear violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY!
due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!