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

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have always done. 

Thank you for your attention to this matter. I kindly ask that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud & Improper use of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with Santander Consumer USA that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of usage, original balance, past due amount, and an inaccurate date of last update. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX  and XXXX : XXXX
Product: Mortgage

I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient has NOT processed any of my paperwork and failed to notify me every single time. They have continually created obstacles for me. The only reason I know that nothing continues to be done is because I am persistent with calling. They have continually created obstacles to repayment by providing bad information ; processed my payments and paperwork incorrectly ; failed to act when borrowers I have repeatedly complained ; illegally cheated me out of their rights to lower payments. And for some odd reason my student loan amounts continues to grow even though I 'm not in school and I have processed paperwork on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunions on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to Transunion requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to Transunion requesting removal because collection agency did not respond to my request and did not provide validation. 
Transunion responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to Transunion requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did Transunion obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting Transunion to properly investigate this account and to remove since it cant be validated. Transunion I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX  failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my XXXX XXXXeport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Product: Debt collection

Merchants and Medical continues to skirt the law by placing items on a persons credit report before validating the debt then when complaints are filed they provide false documentation that a validation letter was sent out. They also continue to verify the debt with the credit bureaus even though they have not followed the law regard debt collections.
Product: Credit card or prepaid card

I Purchased a couch from Ashley 's furniture in XXXX XXXX, FL in XX/XX/2018. In XX/XX/XXXX I complained that I had the wrong couch and and disputed with Synchrony bank, the creditor. 

After fighting with them they agreed to replace the couch and I selected a replacement for the couch. The manager XXXX agreed to this in writing. Since that time ( XX/XX/2018 ) Ashleys furniture has REFUSED to follow through with the agreement to replace the couch. This entire situation could be settled right now, but Ashleys refuses to do the right thing. 

Now dealing with Synchrony is basically impossible. When you dispute they refuse to give a phone number or one that rings endlessly. The refuse to give an email to correspond with anyone about the dispute and to present evidence. They ask you to FAX ( yes, fax ) everything. This is because all a dispute consists of is computers talking to each other. I have show Synchrony Bank the evidence and they refuse to allow me to speak with the disputes center and refuse to come to any resolution. I have faxed information showing everything in my favor and they refuse to listen and now deny ever getting this information. They make it impossible to effectively dispute. 

I have been going at it with them for over a year and a half, and now they are sending negative information to my credit reports. 

This has caused excessive damage and hardship to my life, and I DON'T EVEN OWE THE MONEY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( 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.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report
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 XXXXXX/XX/XXXX
Product: Debt collection

regional finance keeps calling me about my loan payments. they have called every single day and I keep telling them that I will pay the loan payment once I get the money. I am a XXXX veteran and I have many health issues and I am not able to answer my phone like I wish
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to Equifax for reporting inaccurate status on my XXXX XXXX XXXX XXXX account since this account has already been paid. And has a Paid status to XXXX and XXXX. I'm assuming you did not update the status since 2016, unlike the other two bureaus.
Product: Debt collection

XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX   amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX  XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX  and XXXX  I ask that they both be deleted a.s.a.p. please respond XXXX thanks
Product: Debt collection

The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.1

5 U.S.C 1681 section 602 A Section 2.I have the right to privacy.

3. 15 U.S.C 1681 Section 602 A. Section2. It also states a consumer reporting agency can not furnish account without my written instruction.
Product: Debt collection

Who is XXXX? This company attempted to sue, garnish bank account and is now taking my money. They claim they purchased this debt from XXXX but will not provide proof. I need copy of proof that I owe these people. I need a copy of the transfer of debt from XXXX to XXXX. I am uploading copies of documentation where are companies sent me letters regarding this debt. Why are there so many different companies attempting to collect on the so claim debt purchased from XXXX but refuse to provide proof. They all are in violation of FDRCA and FCRA. Please help to rectify this problem. They also tried to garnish my bank accounts ( see attachment and contact my bank for proof ).
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Product: Debt collection

XXXX XXXX XXXX / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical bill that insurance paid and shows a XXXX balance. Also the collection agency sent me personal medical information that is hippa violation of my rights. The original creditor shows a XXXX balance and the credit bureau refuses to remove my medical collection. I have attached documentation showing it is a medical bill with a XXXX balance as well as the collection agency having copies of my medical procedures that were done.
Product: Mortgage

In late 2023, mr.cooper bought my home mortgage loan from XXXX XXXX, where I had bi-weekly autopay in effect, with extra money going toward principal. I have gone through the process with mr.cooper no less than XXXX times to set up bi-weekly autopay. Am attaching files to substantiate. Subsequently, I receive ( this has happened XXXX times ) a form letter from mr.cooper saying that biweekly draft has been cancelled because my account is not prepaid and due for the current month. See attached files which substantiate that I HAVE prepaid several times. 
mr.cooper website does not support customer 's sending an email to customer service. It funnels customer to XXXX XXXX, which is XXXX help. Trying to contact them by phone results in repetitious circular interaction with the XXXX system. Trying to reach a human being on Saturday is impossible. Trying to do this in evening results in lengthy hold experience. I work long hours XXXX, and their unavailability is a problem for me. 
My overall experience with mr.cooper has been XXXX of willful obstructionist behavior on their part to dissuade me from prepaying toward the principal on my loan. 
Further, they make it extremely difficult for the customer to interact with a human being to correct problems of their making. 
I enlist your help in making it necessary for them to support my account in a manner that is not a continuous manipulation to force me to repeatedly make advance payments without ever establishing the biweekly autopay process for my loan. I am extremely frustrated with their probably illegal obstructions to the proper service of a mortgage loan.
Product: Checking or savings account

An IRS check that I mailed on XX/XX/year> gets stolen. The thief does a whiteout of IRS as receiver, and put their name on it and deposit it electronically with Chase, where I also bank on XXXX XXXX. Same thief, makes another whiteout ( by this time the whiteout marks are showing in the prints ) of the same check and deposits it electronically the same way 4 days later. Chase bank accepts both deposits and withdraw the funds from my account twice immediately at the date depositted. In fact both of the two checks had the same check number so it was an obvious mistake of the bank ( bank officer could not believe the bank was unable to detect that the same check number was deposited two times. to withdraw twice on the same check. After meeting at the branch office to present the case, the bank returned one of the two funds back to me. Since then ( XX/XX/XXXX meeting at XXXX, CA branch of Chase ), they have been stone walling me. First they said that they will resolve it without any action from me. After several days when I inquired about their action, I was told I need to fill a fraud report. This was in conflict with their instruction of no need for any action from me. They said that they will mail it to me. The form never came in the mail. After several inquiry, they asked that I meet at the branch because oddly their POLICIES does not allow them to email the form. Long story short, I met at the bank today to fill the form. The stonewalling to use my funds is one concern, the other is that they can show higher deposits if they do this practice aggressively. They may even hide some of their cash requirement shortfall with your agency. The other concern I have is that even though this seems to be a big fraud ( stealing from post office, tampering with IRS as the receiver, and counterfitting checks ), the bank may be looking the other way as the practice puts more money in their pockets while shortchanging their customers. That seems to be in conflict of interest with their feudatory responsibility as a bank. It would seem to me that the bank should have a policy with regards to how long before they return a customer 's money in an obvious fraud case such as this. May be the agency can inquire on this as well. 
I am not sure when I will get my money back but you would think after meeting them in their brach for 3 times, they would try to make things good. It is a substantial amount of {$8500.00} that I was paying to IRS. I am very concerned though if they try not to report these events to the federal authorities that oversee such terrible crimes Thanks for your attention in the matter.
Product: Credit reporting or other personal consumer reports

I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX and worry.
Product: Debt collection

i have looked on all my credit reports an do not show an account for which midland credit management is trying to charge me for over XXXX dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of your social your gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my lender an him an i both not seeing such a card on my credit we decided not to an to try an have it removed. midland credit management does not care just says i need to pay an i can not speak with a manager. 

if needed i will supply you with my credit reports showing i have never had a open, closed, an or even charged off account on my credit other then midland funding trying to impose there will to wrongfully collect from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST DT REPORTED XXXX ACCOUNT TYPE Installment ECOA  Indv. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING 9 DATE LAST ACTIVE XXXX PAY PATTERN 999999999999999999 9999999 PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT   LEVEL : B-XPN-01 B-EFX-01 COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO XXXX  ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report today XX/XX/18 from XXXX now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with XXXX correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX XXXX XXXX was to be deleted as well but is still appearing on my report.