23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

PayPal sent the following email : XX/XX/2023 " PayPal You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We XXXX Take. You must remove all references to PayPal from your website ( XXXX ) and/or auction ( XXXX ), including removing PayPal as XXXX payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds XXXX be used to satisfy any obligations you XXXX have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the XXXX XXXX XXXX are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete the PayPal XXXX XXXX XXXX by clicking XXXX at the bottom of any PayPal page. 

We regret any inconvenience this XXXX cause. '' I thought this this was a Phishing Scam and changed my login with PayPal XXXX I was hacked. 

Going to the official PayPal website I found I was " permanently limited '' for violating a PayPal terms of agreement. I called PayPal on XX/XX/2023 and asked for more information about the specific violation. Customer service was not able to locate any specific reason and did not see any obvious reason for the " permanently limited '' account. 

I would like assistance in finding out what rule was broken. I only use PayPal for managing my recurring payments for subscriptions ( all automated ). There is no other financial transactions that would be suspicious for potential fraud or illegal activity. I can't for the life of me see what rule was violated. And I expect better documentation that what PayPal is providing.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and need to be removed from my consumer report. I did not ask for credit at : XXXX ( XX/XX/2023 ) please remove immediately
Product: Checking or savings account

I signed a contract with a moving company on XX/XX/2023 approximately XXXX XXXX. they sent the contract on the XXXX which I didnt sign that day..and sent them a XXXX deposit for the move on the XXXX I called my banking institution XXXX ( XXXX XXXX XXXX ) to get the charges refunded because the moving company was trying to keep my money.. they lied and said I didnt cancel in time for a refund. I have all the proof that I did phone calls screen shots and email proof that I wasnt sent the contract until the morning of XX/XX/2023 which is what contained the instructions to cancelhowever I had been calling and texting the company all that morning before the deadline my account was mismanaged by bmtx I also asked them what they sent them for proof and wasnt given that information.. and whatever it is its fraudulent and XXXX didnt practice due diligence to protect my account. I have included a screenshot of the cancellation where they say I signed on the XX/XX/XXXX at XXXX am and at the bottom it say I signed on the XXXX at noon Im also including a screenshot of my sent email cancellation at XXXXXXXX XXXX of the XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ), reporting inquiries without my permission, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

Formal Complaint R

egarding FCRA Violation and Inaccurate Information ChexSystems Consumer Relations, I am writing to formally dispute inaccurate and negative information reported on my ChexSystems consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). The following inaccurate information is damaging to my financial reputation and must be
corrected or removed promptly : Institution Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account listed as charged off " or " Unauthorized account reported without my knowledge. 
Under the FCRA, ChexSystems is required to ensure maximum possible accuracy of the information provided on consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, once a consumer disputes an item, ChexSystems must conduct a prompt, thorough investigation and correct or delete any unverifiable or inaccurate information within 30 days ( 15 U.S.C. 1681i ( a ) ). 
I have already contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue, and they were unable to verify the information or resolve the matter. Despite this, the negative entry remains on my report. I have respectfully requested that ChexSystems remove the inaccurate or unverifiable information from my report if it can not be substantiated. They have yet to do so.
Product: Mortgage

In XXXX of 2006, My wife attempted to refinance our home. She provided check stubs showing her accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX XXXX generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from XXXX to XXXX XXXX. So without our knowledge, of this fraud, they approved my wife for a loan that was already illegal to sell to consumers in Illinois ( Pick-a-Pay mortgage ). Then, they took out a default insurance policy in anticipation of my default. We were not aware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. The auditor first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not follow the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, we are not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. There are several notary signatures. We also previously put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, the bank lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I my wife does not have a mortgage. I was not working and therefore the mortgage was only in my wife 's name but the title search shows that the mortgage is under my name. I have a XXXX XXXX and they did not follow the federal guidelines when selling a loan to a person with a XXXX.
Product: Debt collection

One main XXXX, sc calls 3 to 4 times a day
Product: Student loan

Navient is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Product: Vehicle loan or lease

I purchased a vehicle through Wells Fargo for about XXXX originally. XXXX I caught XXXX XXXX and almost XXXX XXXX XXXX My payment is XXXX, and I purchase the car in XXXX of XXXX. After calculating everything I should owe XXXX on this car for XXXX, but they have me owing XXXX. Do you mean to tell me I've only paid XXXX over XXXX years? The math doesn't add up to me at all!!!
Product: Debt collection

Multiple issues : Tactics are to begin to inform you where the situation can go if we can't come to an agreement the moment you start to push back. Threatening lawsuit or further legal action. No illegal as they could do those, just crude tactics. 
However, I question the legality of grouping debts together and refusing to allow a consumer to pay one of the multiple debts they have purchased from multiple companies. I have tried twice now to make payment on and close out at least 1 of the balances and have been refused. If all 3 can not be paid at once then they will only take the payment and post it to all 3 accounts based on a calculation they use. I have 3 separate trade lines on my credit, but it might as well be one because I am not allowed to pay one of them off and bring it to a {$0.00} balance. That is misleading to creditors and harmful to consumers. I was also told the interest being charged to my account was charged by the courts when in fact it is allowed by the courts and charged by Midland and kept by Midland. This company could care less about the consumer. They just want the money for the debts they bought.
Product: Debt collection

Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).
Product: Credit card

Two charges of {$370.00} and {$7.00} from the same vendor : XXXX XXXX XXXX XXXX XXXX showed up on my Discover Card. I froze the card and disputed the transactions. The smaller value was reversed, and the larger value was considered legitimate after Discover investigation. 
The vendor is a XXXX ticket agent in XXXX. 
Discover keep charging me as the proof of the purchase submitted to me is a two-page document entirely typed in XXXX. Even the Fraud operator could not explain what it meant in XXXX. 
I wrote 2 letters to Discover already and NO response. It is absurd that Discover uses as a " proof '' a letter in XXXX, of something I never bought and does not reply to my letters. 
Dispute case : XXXX = {$370.00} ( Discover keeps charging me ) Dispute case : XXXX = {$7.00} ( Discover reversed ) SAME VENDOR! Makes no sense.
Product: Debt collection

they keep putting the account under another company name once i dispute it with the credit bureau. It shows that this account has never been late then when i look under the collections department it shows up as a bad account. 

Company name is : XXXX XXXX XXXX : XXXX XXXX {$3000.00} Opened account date:XX/XX/XXXX never paid late Last payment date :XX/XX/XXXX
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Debt collection

XXXX Card Services XXXX XXXX XXXX XXXX, DE XXXX This account was included in my XXXX XXXX Bankruptcy ( Case # XXXX B ). Despite the stay order issued by the Bankruptcy Court, this creditor continues to call me, my ex-wife, my ex-father-in-law and my children. The latest collection action is coming from the XXXX XXXX XXXX using the telephone number ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

WELLS FARGO claimed they emailed my monthly statement. I have no record of receiving it. This is not the first time this has happened. The last time they agreed to waive the LATE FEE and interest. This time they said it could not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this was a mistake as you can see from me elite payment history. I have a perfect record of paying on time and I was like to continue and remain an active consumer with XXXX  XXXX XXXX and would be happy to do so once this matter is cleared up. I need this erroneous late payment corrected and updated to paid as agreed immediately
Product: Credit reporting

EQUIFAX continues to re-insert an account with XXXX they have previously deleted. I NEVER paid this account late nor was it ever a repossession from ME as EQUIFAX erroneously reports in my most recent file with them. Any and all issues with this account belong to my former spouse and date back to 2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, US DEPARTMENT OF EDUCATION these are hard inquiries on my report and I gave no one permission to pull my credit so I'm baffled of why I have any hard inquiries on my report
Product: Checking or savings account

This isnt exactly the category I selected but its the closest I could find. My fifth third bank account was hacked. The address and phone number on file were changed as well as the online banking password. This is a secondary checking account that I rarely use so I dont check it often. When I realized I couldnt login on XX/XX/22 I spent hours reaching out to fifth third, dealing with rude representatives and got the run around because I didnt have the phone and address on file, because it had been hacked and changed. I was finally advised that I had to go to a branch which was extremely inconvenient because fifth third is not prominent in North Carolina and its not close to reach a branch. I visited a branch and was able to review the transactions on my account. There was a {$10.00} XXXX transaction made on XX/XX/22, I have never used XXXX in my life. Later there was a mobile deposit of {$1400.00} on XX/XX/22 that I did not make and a check copy was not provided to me. Following that there was a XXXX transaction of {$400.00} and {$600.00} on XX/XX/22 as well. As stated, this is not my XXXX account nor my activity. On XX/XX/22 the check for {$1400.00} was returned and noted as fraud on the statement. This over-drafted the bank account resulting in several fees and rejected payments for reoccurring transactions. I received a letter dated XX/XX/22 that the dispute for {$1000.00} has been denied because they feel the transactions were valid. 

I am on XXXX as my only source of income. In XXXX, I had no access to my funds because they were used to cover the overdraft amount and now I will not be able to recoup any of that money. They will not assist in getting me access to my online banking so I am still in the dark as to whether or not additional fees are being added to the account as its likely still in the negative since they are denying my claim. 

On XX/XX/22 I filed a complaint with the XXXX and the dispute was reopened with Fifth Third. I spoke with a representative who confirmed that I was a victim of account takeover. He was able to access that the transactions were made in XXXX ( Again I live in XXXX, NC ) and also that several logins were done on a XXXX device, I have XXXX XXXX XXXX. I am sure this conversation can be confirmed as these calls are allegedly all recorded. I received correspondence today that the fraudulent activity has once again been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX Balance Owed : {$340.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXXBalance Owed : {$2500.00}
Product: Credit reporting, credit repair services, 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 1681 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

I am writing to formally request the blocking and deletion of specific fraudulent accounts listed on my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following accounts : Fraudulent Accounts : 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

Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.