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

I,  XXXX   XXXX   XXXX , have a business that uses PayPal to accept payments for  XXXX  auctions and to process payments on my computer service website. I have had my account limited due to an  XXXX   XXXX  department that is reviewing accounts  for PayPal. I have provided PayPal with numerous documents that they requested, and have gone above and beyond what is legally required for a sole proprietorship in my industry. I have given them Proof of  business registration, Supplier contact information, Invoices for purchases, A statement of my business model, and many other supporting documents. I was instructed by a CPA and a lawyer to create a business checking account, and when I tried to add that account, it was not allowed by their system. Adding a bank account would in fact solve this problem of compliance, and would reinstate my account since currently I have no access to my funds. I c alled the PayPal support number to get this fixed, and they said the limitation was preventing adding a bank account.This is n ot true. According to their own " resolution center '' I am allowed to add a bank account, but their system refuses to allow it. I have screenshots of the page before they " fixd '' it so that does n't show up now. I have done everything they asked, and now I do n't have access to my money, and  XXXX  only use s two payment processors, so I ca n't even do business because of this negligence. I would  like to have the compliance department to review this account and figure out why this has n't been handled already.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquieres : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.
Product: Credit card or prepaid card

This complaint is considering the company Lowe 's and Lowe 's Credit Card. Even though I paid everything in my balance, they made up a fake bill and when I refused to pay that, they charged me with a interest bill consisting of late fees. I will send you all of my billing statement copies. My last payment for Lowe 's is XX/XX/2022. The amount is {$38.00} and also they charged me a late fee {$29.00}. I called the Lowe 's and I made my payment on the phone and they refunded my late fee charge. My phone payment confirmation number is XXXX and my late fee refunding confirmation number is XXXX. After this phone call, next month they have made a fake bill of {$50.00} and after that every month they added {$2.00} interest charge and they keep asking me paying this fake bill. And I am complaining about Lowe 's Credit Card company about this matter. I will also send you all the billing statements they are sending me.
Product: Credit card or prepaid card

I set up a Venmo account for my sick father. I used my email and my phone number. My father passed away years ago and someone sent me money on that number by mistake. They wont give me money even though I own both phone number and email and I have given them everything they asked for including phone bills, several months ago to close close acct and get my money. they say they cant read death certificate which I have sent twice from ups and it shows fine. They wont respond and I want my money. They wont let me mail it to them so I dont know what to do
Product: Debt collection

We bought a home in XXXX 2011 and got a landline number from XXXX. Apparently the number previously belonged to someone else, because for the last 5+ years we have received dozens of calls from various debt collection agencies asking for a XXXX XXXX . We do n't know anyone named XXXX XXXX, and we always tell the caller this and request that they do not call our number again. 

What would prevent one debt collector from simply re-selling the debt portfolio to another agency, with our phone number still attached to a debt for XXXX XXXX? How can we ensure that our phone number is divorced from this unrelated debt?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX   did not do their due diligence in researching a date of birth, finances or social security number before they opened a deferred credit account with a  XXXX   XXXX   XXXX  child who happens to have many diagnosis,  one of  which is  XXXX . After 3 months we received a past due bill for {$3300.00}. The childs parents had no knowledge of this account. When we called  XXXX  to inquire about this bill they gave me an incorrect dob and ssn which did not belong to any family member, and then they asked to speak to my  XXXX   XXXX   XXXX  son to verify his information, realizing at that point they were dealing with a  XXXX   XXXX   XXXX . I have now been mailed an afadavit which would admit that I was fraudulent which I am not. This account was opened by my  XXXX   XXXX   XXXX  on the computer using his name and a false social security number. My  XXXX   XXXX   XXXX  son has the mentality of an  XXXX   XXXX   XXXX  and did not realize what he was doing. He " thought '' he was buying and selling toy airplanes and did n't realize that money was being added up. We never received any bills until almost 4 months of transactions had taken place. We have packaged up all the merchandise which came from all over the world and would cost over {$1000.00} in shipping to re-sell and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, Probate Advance LLC authorized a probate advance loan using my identity. I never initiated this request. Someone else used my identity to obtain this probate advance. 
I have documentation from the probate company showing the transaction details, including where the money was sent. A total of {$19000.00} was repaid to Probate Advance LLC, which was paid out from my father 's estate and which was supposed to be allotted to me. 
I contacted Probate Advance LLC to inquire how they could disburse such a large amount of money without proper verification. However, they refused to take responsibility. I possess emails from the company, the loan document from Probate Advance LLC, and a copy of the final disbursement from the estate, which shows the loan was paid back to Probate Advance LLC. 
The loan contract is in my name, but it lists an incorrect address, and the bank account is located at XXXX XXXX  in North Carolina.
Product: Credit card or prepaid card

Received an email from XXXX XXXX XXXX XXXX of a decrease in credit limit. I have not missed a payment and always pay more than due. The credit limit decrease made it so that a report of 91+ % usage of available credit.

I then called Synchrony the card issuing bank. I ask the customer service representative why the limit was decreased. The representative read me the letter and referred a credit company 's ( XXXX ) phone number to request a {$9.00} report. I believe the lowering of my credit limit is an action allowed according to the Fair Credit Act and could negatively impact my credit score. I was trying to increase my credit score when I initially accepted the card when offerred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any credit.
Product: Debt collection

On XX/XX/2018 my agent entered my local Citibank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit a promissory not with the value of {$10000.00}, to be divided as follows ; {$10000.00} to be credited to my account with that branch, as well as {$500.00} in cash or federal reserve notes. The person i spoke with accepted the promissory note, implied that he understood the conversation was being recorded, and expressed his understanding of the debt created by his acceptance of the promissory note as a representative of THE BANK. the MANAGER of the bank was standing there between us participating in the conversation. SHE ( XXXX ) admitted that she had made multiple mistakes during the conversation, including calling themselves representatives of the bank, instead of employees of THE BANK. 

The teller ( XXXX ) accepted the promissory note, from my hand to his, and said the words " I'll accept this promissory '' and " the funds will be credited to your account tomorrow morning '', but the funds were never credited to my account, and no cash was supplied as had been ordered with the deposit slip. 

These underhanded business practices by THE BANK and " it's representatives '' has eroded my faith in the Federal Reserve Banking System in its entirety. Please see that the bank honors the promissory note that IT has already accepted as well as any future promissory notes I will be depositing.  thank you and have a blessed day, XXXX XXXX
Product: Debt collection

To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and  Equifax has not resolved my issue. There are 10 inaccurate accounts that are reflecting on my credit file that need to  be removed immediately. These accounts were all showing included in Bankruptcy XXXX XXXX however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letters that I received from Equifax which shows all these accounts show in the comments section included in Bankruptcy XXXX XXXX. The accounts in question are 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. 

My data was breach in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 the most recent i've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed specifically with Experian because this issue is only with Experian. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my Experian credit report. This is important because it has had an impact on my everyday health and wellness. I know Experian didnt check it because I asked Experian to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe Experian investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under five days. If written notice is not sent within this 5-day period, then Experian is in violation of the FDCPA.

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 15 USC 1681. Account # 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 instructions15 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 than seven years.15 U.S.C .
Product: Credit card or prepaid card

XX/XX/XXXX late payments have been on my credit report for 7 years. Capital One still have the late payment on my account. I have called and asked for the company to have the late payments removed. No resolution. 
The late payments was in XXXX, XXXX, XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

Bank of America is trying to use a 3 day float time on a cashiers check. The entire point of a cashiers or bank check is there is no float time. That is why they cost money as opposed to personal checks. They are doing this as a fraudulent practise to use your funds for money market accounts which they profit off of. They will say it is because it takes time to clear it. However to after it clears it goes into a money market account and not into my bank account. I tried talking to them after waiting on the phone for 40 minutes they tried acting like it is normal..

They also steal a XXXX out of every cash deposit over 200 dollars and occasionally charge you fees you should not get. All making you spend time to get it back. They always give it back when they are caught. But I should not have to catch them and spend hours on the phone trying to get my money back. 
It would be nice if the government actively policed them ...
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked with 90 requests for payment in the amount of {$990.00} each request. 
I never was notified by PayPal of these XXXX Payments requests. 
I had to contact them. 
Not only that but on the request for payment each one had a phone number to call if you didnt know these people or owe any money to them. That phone number is to the people requesting the money and they are acting as representatives of PayPal. 
Also I received emails saying that I also requested money from others in PayPal that I asked for {$1900.00} from these people. 
When I called the actual PayPal customer service. I asked them to block my account. 
It took several requests to get that done. 
I changed my password 3 times. 
PayPal is not protecting my account as to their business model says that my accounts are protected by them. They kept telling me not to worry about it and that in 10 days to keep checking my email to see if the issue is resolved. Also I personally need to go through all 90 of the money requests and cancel them myself. 
I cant tell which PayPal emails are real or fake. 
This is highly concerning and not professional at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

Bankruptcy I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes
Product: Credit reporting or other personal consumer reports

My social security number identity and information was fraudulently used on a car loan. The company name is Ally Financial. The eastern automotive card group on sterling V.A fraudulent submitted my personal information to secure a car for one of the workers friends.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX