23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

PayPal permanently limited my account with my hard earned money in it and told me they 'll release it after 180 days and kept my credit cards and bank checking information on file. Basically, at first, my account was temporarily limited citing " security reason '' - basically telling me to go kick rocks and starve. Till this day, i do n't understand where the " security reasons '' statement came from because all i did was sell a couple of items on eBay. Apparently PayPal plays this dangerous game with everyone because they 're basically the only way customers and sellers can make and receive payment via eBay. They 've been on a royal power trip for years and this really needs to stop. Now to continue with more background information on my compliant ... They temporarily limited my account and asked me to submit my social security card, my drivers license, my bank statements, credit card statements, invoice of purchase for items that were sold and valid tracking information for all my sales. Even though these demands were pretty steep for an entity that has no governmental affiliations and does n't consider themselves a " bank '', i complied in hopes that everything will be resolved and i 'll get my money back but i was wrong. They instead decided to lock up in their account and keep my money. The same money their probably profiting from right now by locking me from accessing it in their system. Anyway, i sent them the information via the " resolutions '' page and informed them that they 've already confirmed my credit card and bank account through their electronic process which had me log into my bank account and receive security deposits on my credit card. I sent them everything and informed them that one of the transactions they say requires tracking was just a payment from " XXXX '' - a company that pays you for shopping online. I received a response to proceed and that particular part was removed. I had faith the process was just to determine that i 've not trying to defraud customers. I sent them more information via email to " XXXX '' and via the resolutions page. All of sudden, i got an email saying my account has now been permanently limited and they claimed that my sister 's account ( which they also closed for some ridiculous reason ) is related to mine. I simply told them to look at the official documents i sent to them ( drivers license and social security card ) but instead of doing that, they locked my business funds in their nidicolous disaster of a sinkhole and refused to give me my money. Please get them to give me my money and keep their ridiculous site and their incompetent employees. My PayPal email address is XXXXXXXXXXXX
Product: Credit card

Home Depot told me my social came up under somebody elses name that I need to report it
Product: Credit reporting, credit repair services, or other personal consumer reports

The same company named XXXX done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and equifax reported 2 hard inquiries on back to back days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting XXXX XXXX, Equifax and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to put a freeze on my and my husband 's accounts at Equifax. They took my husband 's request but denied mine - I have a copy of the denial. It suggests that I mail them my information - including my social security number. Are they crazy to ask me to send my data via unsecured postal mail? They obviously do not understand security risks. 
I checked if my data had been compromised on their site and they said probably. To add insult to injury they also charged the {$5.00} fee for the freeze to my credit card even though they did n't process my request. I tried to call but after 16 minutes of waiting to be connected someone answered and hung up. When when I tried again all circuits were busy.
I have put freezes on the other 2 agencies so am only concerned about Equifax. Can you as an agency make them notify anyone who 's information has been compromised whether or not they have their credit monitoring protection? I should n't have to enroll to be protected if they are responsible for compromising my information. 

Thanks
Product: Credit card

In relation to a previous complaint, Amex responded " Its important to note that we made several attempts to contact you prior to closing your account, because we needed to complete additional identity verification for your account. '' I found this concerning as I had no record of any correspondence at all from the company prior to my account closure. 

I've attempted to speak with support multiple times, including XX/XX/year> and XXXX on this issue, and previously had a ticket open with their support, which was closed without resolution or notice to me. 

Each time, Amex has insisted that they attempted to contact me, but failed to provide any information on the supposed attempts. Most recently, I was told they do have the information and can confirm that there were attempts, but that there system did not allow them to share the information with me. 

I find all of this extremely concerning, as I maintain an account with AmEx and may need to be contacted in the future. It seems that either A : American Express is attempting to contact someone other than me related to my account, or B : American Express Provided false information on my previous complaint and is unwilling to admit the mistake.
Product: Credit reporting 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 15 USC 1681.

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 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 than 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.
Product: Mortgage

I am XXXX XXXX military. I have received XXXX  orders and my wife and I have moved into our new house. We are currently in the process of selling our old home and NOVAD has yet to send XXXX  ( our title company ) the payoff statment and its been over 2 weeks. I have e mailed NOVAD and havent received a response. We have already pushed back closing twice and are going to face a financial hardship if they dont provide the payoff statement soon. This is completely unprofessional given the turn around NOVAD has to provide the payoff statements. Any help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Product: Checking or savings account

I purchased gas at an XXXX on XXXX XXXX at approximately XXXX XXXX XX/XX/year>. After pumping gas I checked my checking account to find {$580.00} was missing from my account. I contacted Direct Express XXXX XXXX and filed my case. They cancelled my card and going to investigate. Within 10 days they were supposed to replace the {$580.00} and never did. The money was taken out of an ATM in XXXX XXXXXXXX XXXX. a XXXX XXXX XXXX XXXX. I have not to XXXX XXXX for years and wasn't there making that withdrawal. At the time of the withdrawal I was in XXXX XXXX. My girlfriend at the time is an XXXX at XXXX XXXX and will vouch for me I was with her every night around XX/XX/year> in XXXX. Direct Express told me to file a police report which I did and Fax it and the case number. I tried the fax number which a XXXX gave me and the number was bogus. They did their investigation and couldn't confirm fraud. Months and months I contacted Direct Express for hours and hours and hours day after day about the money they took from my account and finally tried some government agencies with little help. The funny thing is Direct Express has been in trouble before and found guilty so why are they still in business? They were found guilty of fraud and are still doing it again. They are now have a class action suit for some {>= $1,000,000} for the same thing. What wrong with this picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with Equifax, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet Equifax and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.
Product: Credit card

I've consistently made timely payments on this account, avoiding any overdue charges. However, I'm uncertain why there are reports of late payments on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Debt collection

This was already deleted from my reported and handled XX/XX/XXXX. I asked the collector to verify when this was opened and the address and it says XX/XX/XXXX. The addesss presented didnt match, and I didnt possess anything from this company ( XXXX ) XXXX Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. Per code 15 U.S. Code 1692 ( g ) this is unlawfully being reported. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
XXXX and Equifax both who are being sued for violating consumer rights and removing items, then letting them be put back on credit files without showing property information or the due diligence of investing proves everything thats happening here. XXXX also never informed me of the investigation that proved legitimacy, accuracy, or who they spoke with during their dispute process. Especially that they removed this account, and added because another collection company purchased. If the accuracy was wrong before, how did it change for them to hurt my credit report.
Product: Debt collection

I was notified of a Debt when a debt collector Kings Credit Services out of XXXX, Ca filed a Summary Judgement against me on XX/XX/19. I asked them to verify the debt, when they sent me their reply the amount of {$680.00} was not correct. I sent them information informing them the amount they were going after me for and asking them to go back and verify with their client. It seemed that the Dr. office that this was from was not crediting my account for payments made. They never replied to my reply. They continued their court actions. Now they have a judgement against my they got from I now consider fraudulent information since they refused to verify the debt. 

Until I got the court documents as far as I can tell I never had contact with the agency, either written or by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Product: Mortgage

I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. 
they have a sale date for XX/XX/2018 at XXXX XXXX  and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. 
XXXX from shellpoint called on XXXX of this year treating me that she can foreclosure in the house any time she wants to this is very scary for me and my family all i am asking to postpone the sale for another month until I find a solution to my financial situation .... it is already cold in XXXX I can not be on the streets with my children they refused to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023
Product: Credit card or prepaid card

Apple says I have a CC. I dont have a apple CC they rept said go here they couldnt help Nothing has been charged its just apple fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX XXXX I want this CC to go away.. please help
Product: Checking or savings account

On XX/XX/2021 I issued a check for {$770.00} which was lost in mail. On XX/XX/2021 I noticed that the check was cashed by my bank without any endorsement at the back of the check. The payee never received or cashed the check. I notified the bank on XX/XX/2021. Although the check was cashed, XXXX XXXX from the bank told me that they will stop the payment. On XX/XX/2021 I called the bank again and XXXX XXXX told me that the check was already cashed they can not stop the payment. She promised to send me a form to fill out and return it to the bank for processing. I waited one week but the form never came through. I went to my Chase bank branch in XXXX, CA and filled out the form. My bank branch faxed the completed form to the main office and showed me that it has gone through. I called the Chase bank fraud department on XX/XX/2021 and they claim that they never received the completed form faxed by their branch in XXXX, CA. They asked me to go to the branch and tell them to fax it again. As of today ( XX/XX/2021 ) I have not received the form they promised to send me from the main office. They told me it will take 60 to 90 days to resolve the issue. I am sick and tired of the bank 's behavior and mishandling the documents. If there is no endorsement at the back of check as to who cashed the check, why the bank will disburse the funds from my account. CHASE BANK HAS A LOUSY SERVICE WHEN IT COMES TO TAKING CARE OF THEIR CLIENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Trying to link XXXX  with my bank account and PNC wont allow it to happen!
Product: Checking or savings account

On XX/XX/2024 Chase bank closed my checking accounts down. The amount that was supposed to be returned was {$1000.00}. This was for my representative payee account for my brother. Who gets his monthly SSA check deposited. I was giving documents that says Chase returned the check back to the treasury. According to the treasury they didnt receive the funds. I went and spoke to staff at the branch. I was told that a cashier check for the remaining balance was sent to my home. I havent received any check. I filled out a form back in XXXX. I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX dispute a duplicate account with Online Collection Company 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me XXXX do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act Phoenix Recovery Group has violated my rights. 

15 USC 1681 Section 602 states that i have a right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Mobile phone account opened in 2024 sometime with XXXX XXXX and now Collected by Credit Control , LLC. These accounts have resulted in a fraudulent collections account appearing in my name and eventually on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts and collections are to appear on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.