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

American Express opened 2 credit cards in my name fraudulently and they refuse to honor my statement that these were fraudulent accounts and they state there reason is because I made payment on the accounts, however I never made payments on these accounts, whoever opened the accounts must have made payments on the accounts, because it sure was not me. I have never paid on these accounts. I have also had fraudulent bank accounts opened in my name as well. They continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports. <P/>Account Number XXXX Account XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, 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 believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines.

I want to emphasize the following key points : Mistaken Limitation : I strongly believe that the limitation on my account is the result of a mistake or misunderstanding. I have consistently used my PayPal account responsibly and have not engaged in any activities that would warrant such action. 

Policy Compliance : Throughout my time as a PayPal user, I have diligently followed PayPal 's terms of service and acceptable use policies. I have not violated any of these policies knowingly or unknowingly.

Request for Re-investigation : I kindly request that PayPal conducts a thorough review of my account activity and the circumstances leading to its limitation. I am confident that this review will reveal no wrongdoing on my part, and I earnestly ask for the reinstatement of my account if deemed appropriate. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support these efforts. However, I am convinced that my account has been incorrectly targeted, and I am eager to resolve this matter promptly.

I kindly ask for your immediate attention to this appeal and a prompt re-evaluation of my account status. Restoring access to my PayPal account would greatly assist me in conducting my online financial transactions smoothly and securely.

Thank you for your understanding and assistance in this matter. I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX
Product: Prepaid card

Bank of America will not find my account even I keep making claims through the dispute department. I am a victim of Identity theft.
Product: Credit card

XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee I was told I could make payments by phone or on line with my wife 's payment bank account. I did and every payment I did it they were returned. I called on the due date when I seen I had return fees and demanded a supervisor after making a payment with agent. I was told fees were removed. I then asked the manager to take the payment to ensure I would not be late. Clarified it was with my wife 's banking information. I was ensured if the account numbers were good I can continue to make my payments with the account. I called on XXXX got a supervisor and was told again the payments returns. On that call only was I told it is not a guarantee that I can make my payments with my wife account. No where on the web site was that clear to consumers and the supervisor and agent prior. I did make sure that when I asked the supervisor on XXXX clarified if I made a payment with my wifes account it may return again. It is unfair the information I was given that I should have to pay any fees up until the supervisor on XX/XX/XXXX told me this information. If this is not a way to make a payment it should be clear on web site and verbally if payment with a agent on phone. I have my wife 's name as the account holder for bank information I was using with the agent and the supervisor. I was told the fees would be removed prior to XXXX and the supervisor on XX/XX/XXXX told me that no I was only able to have 1. This is unfair and how many fees is Target getting from people that don't know that you can't make payments from a spouse account.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Equifax Report Confirmation : XXXX. This is a formal reinvestigation request regarding the Hyundai Motor Finance account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, the account is reported as a charge-off with an outstanding balance of {$3300.00} and remarks showing unpaid balance charged off. The account continues to be updated post-closure and includes language consistent with Profit and Loss classification. Under IRS Code 6050P, any creditor that cancels or charges off a debt over {$600.00} and reports it as uncollectible must issue IRS Form 1099-C to the consumer and the IRS. No 1099-C has ever been issued for this account, which is a violation of federal tax law. A formal complaint has been submitted to the IRS Criminal Investigation Division. Additionally, reporting a charge-off while continuing to reflect a balance is contradictory and violates FCRA 1681e ( b ), which requires the reporting of accurate and non-misleading information. This dispute is submitted with new material evidence, including my Equifax Annual Credit Report and IRS Notice 2012-65. Under FCRA 1681i ( a ) ( 1 ) ( A ), I request reinvestigation, and per 1681i ( a ) ( 5 ) ( A ), this account must be deleted if unverifiable. Post-closure updates also suggest unauthorized reinsertion of previously disputed data. I do not authorize the use of my personal financial data by XXXX XXXX XXXX XXXX XXXX as such use violates FCRA 1681b ( a ) and the Gramm-Leach-Bliley Act. I request immediate and permanent deletion of this account from my Equifax credit report.
Product: Debt collection

This agency, Contract Callers Inc, appeared on my consumer credit report. That was the first time Ive ever heard of this agency. They did not attempt to send me any mail regarding this alleged debt prior to reporting it to the credit bureaus. After seeing it on my report, I mailed this company a letter in XX/XX/2018 requesting them to verify this debt as required by law. It is not XXXX of 2018 and they are still reporting this on my credit report and failing to remove it from my report I have also attempted to contact the credit bureaus and have them verify this debt. They also are unable to verify and continue to report.
Product: Credit reporting or other personal consumer reports

violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Delete immediately XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate
Product: Credit card or prepaid card

US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, transunion and XXXX about removing inaccurent information from my credit report and i have not recieved any responces back.
Product: Credit reporting or other personal consumer reports

i just check my credit report and i noticed accounts that are not mine these are the accounts below XXXX XXXX XXXX, XXXX, {$45000.00} XXXX XXXX XXXXXXXX, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00}
Product: Consumer Loan

TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX SYNCHRONY BANK 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 INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are redlining my credit profile. These Bureaus are at fault for reporting account information multiple times. 
In XX/XX/2021 I closed XXXX account on my profile. XXXX, XXXX XXXX and XXXX. All of these accounts reported on the date that they were supposed to report in XX/XX/2021. The credit Bureaus all increased my score across the board. On XX/XX/2021 Transunion sent an alert that my score had gone up from XXXX to XXXX because an account removed a delinquency from my report. XX/XX/2021 XXXX updated my score by XXXX points from XXXX. On XX/XX/2021 XXXX sent an alert that a high utilization had decreased and my score had went from XXXX to XXXX. On XXXX XXXX Transunion reported that my score had went from XXXX to XXXX because a collection account was removed from my profile. On the same day XXXX lowered my score from XXXX to XXXX did not provide a reason for the change. On XXXX XXXX Transunion sent an alert that the balance on my bank card has DECREASED causing my score to drop from XXXX to XXXX. The same day XXXX sent an alert that the balance on XXXX of my accounts decreased by {$85.00} causing my score to increase XXXX points to XXXX. On XX/XX/2021 an alert from XXXX that my score had decreased from XXXX to XXXX. On the same day Transunion sent an alert that my score had dropped from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX. No explanation was given. On XX/XX/2021 XXXX sent an alert that my score had went from XXXX to XXXX without any explanation. On the same date Transunion sent an alert that my score had dropped from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX sent an alert that my score had decreased from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX reported that XXXX XXXX had reported that my account was closed and in good standing. XXXX lowered my score from XXXX to XXXX. On XX/XX/2021 Transunion reported that an account balance had increased by {$75.00} which caused a change in points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that an account on my profile had been updated as ( XXXX XXXX ) from XXXX. XXXX is not a loan it is a line of credit. XXXX lowed my score by XXXX points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that XXXX had updated my account as closed and paid as agreed dropping my score from XXXX to XXXX. On XX/XX/2021 Transunion sent an alert that my score had dropped from XXXX to XXXX because XXXX reported that the account was closed at my request. These Bureaus are REDLINING my credit! I have no collections or bankruptcies. I have reached out to each bureau to get a reasonable explanation as to the dramatic drop in points in the course of 2 weeks. No explanation was given. I am filing this complaint because there is no official way to complain directly through the bureaus. I am requesting that a formal investigation be preformed.
Product: Money transfer, virtual currency, or money service

I have been trying to close my account with Gemini Trust Company , LLC via my account login on Gemini.com for over 3 weeks now. I have followed all instructions on how to close account but it never gets closed. I have emailed them per their " contact us '' to find out why my account won't close but never get a response from them. I believe that their account closure procedure is just there to meet requirements that they must provide a way to close your account but in reality it is just a facade that does nothing!
Product: Credit reporting, credit repair services, 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 has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My company had leased vehicles from Ally Auto in XXXX and we agreed to returned them in XXXX. As Ally sold the vehicles, they paid us for the surplus of the vehicle value or I had to pay them for the difference due. However, even though we often check their website to see whether the vans or sold or not, they do not update the information. I have to wait until I receive a letter from them. For the second time, they sent us a letter in the mail for the amount due and at the same time they reported me to the credit bureau agencies as being delinquent. On Friday, XX/XX/XXXX, I received a letter on the mail dated XX/XX/XXXX. On Monday, XX/XX/XXXX I made the payment only to find out hours later that they had already reported this payment as delinquent. Ally system is automatically reporting the delinquency. This is affecting my life as we are going through the process of signing the closing of the loan for our house in XXXX XXXX and the financial institutions are not allowing us to sign because our credit has been hit. Everyone knows this is a mistake. Ally 's employees, XXXX and XXXX were doing a great job in helping to this resolved.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX CREDITOR XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$5100.00}.