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

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is associated with the email address XXXX. 

I firmly believe that this limitation was a result of a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action. 

Given the importance of my PayPal account in facilitating both personal and professional financial transactions, I kindly request that PayPal conducts a thorough re-investigation of my case. My primary objective is to have my account reinstated, allowing me to continue utilizing the services that PayPal offers. 

I am fully committed to cooperating with PayPal 's team during this re-investigation process. I am willing to provide any necessary documentation or information to help clarify any concerns and demonstrate my compliance with PayPal 's policies. 

I understand that PayPal 's commitment to maintaining a secure and trustworthy platform is paramount. However, I believe that a re-evaluation of my account 's situation will confirm that I am a responsible and law-abiding user. 

I kindly request your prompt attention to this matter. Restoring my PayPal account would greatly alleviate the inconvenience and disruption that this limitation has caused me. I eagerly await your response and hope for a swift resolution. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for a loan when I was told a mortgage company had a lien on my home. I had taken over my grandfather 's mortgage when he passed away in XXXX and paid the balance of the mortgage off at the end of the year of XXXX. The company I paid the balance of the mortgage off to was community loan servicing. I was unaware that community loan servicing had bought the previous company by the named Bayview loan servicing. Bayview is the one with a lien on the house in my grandfather 's name. I am the one who inherited my grandfather 's belongings along with his debt. I also hold power of attorney for him. I had contacted my estate attorney who helped with closing accounts and to get things transferred to my name. When my bank made me aware of the lien with Bayview. We both had a hard time getting ahold of someone due to my account being closed with the company community loan servicing. I was finally able to reach someone by emailing community loan servicing through their payoff request email I had used prior. I was then reached by a woman whose name I do not remember, and she gave me an email to send the document to, but first tried to tell me it was property tax issue without listening to my issue. I was offended but sent the tax warrant on XX/XX/XXXX of XXXX. It was told to me that it would take 30 days to get a response. I also have tried to reach out to the company numerous times with no response to the status. I only have a certain window of time to process the loan I am need of and they pull a hard credit check for this loan. I do not feel I would be able to have the same interest rate as I do now if I do not get help from the mortgage company. I have paid of the remaining balance and the Bayview account number is the same as the community loan service account number. The amount that the tax warrant shows is of XXXX dollars and dated in XXXX.
Product: Student loan

I had previously enrolled in the XXXX plan on XX/XX/XXXX and called Aidvantage to pay my {$5.00} forbearance on XX/XX/XXXX. The forbearance was until XX/XX/XXXX. I then received an email on XX/XX/XXXX stating that I owed {$2000.00} by XX/XX/XXXX, then received a second email on XX/XX/XXXX stating that owed the same amount by XX/XX/XXXX, and finally received an email on XX/XX/XXXX stating that owed {$2000.00} by XX/XX/XXXX. On XX/XX/XXXX, I called Aidvantage to enquire about why I had received these notices. Under the XXXX plan, I was told that my payment would be {$0.00} each month due to my income level. After speaking to the representative for over an hour, I was requested to apply for the XXXX plan again, which I did. However, I have been charged interest for the period between XX/XX/XXXX and XX/XX/XXXX that should have been covered under the original XXXX  plan enrollment. I spoke to a supervisor about having the correct enrollment date for the XXXX plan applied to my account and this interest removed, based on my original application. This request was supposedly submitted, but when I got my approval for the XXXX plan, the start date was still listed as XX/XX/XXXX, making me responsible for the improperly assessed interest. I called Aidvantage again on XX/XX/XXXX - the representative transferred me to someone who claimed to be a supervisor who kept repeating that I owed any interest charged before enrolling in the XXXX plan, not recognizing the date differences. She then claimed that all supervisors were in a meeting, and they would call me back. I have not yet received a call back. Currently, I have been charged an extra ~ {$6000.00} in interest that would not have been charged had I been enrolled properly at the initial XXXX date ( two representatives at Aidvantage have told me that they can see the initial enrollment date in their system ). In addition, it appears that ~ {$30000.00} in interest has been improperly capitalized on my account within the past 6 months. 

Documents received available upon request.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Mortgage

There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.
Product: Credit reporting or other personal consumer reports

XXXX here, Hello there I have a issue with Exeter Finance Llc have been denying me documents and could be committing an act a of TAX FRAUD this company is reporting on my consumer report that a item has been charged off but how are you still trying to collect on a debt that u have charge off ON MY CONSUMER REPORT IRS declares charge off debt by filing 1099c IS forgiven which they filed on their business tax return on this alleged debt account # XXXX SO IF THATS the case wheres the 1099 uve sent me. Ive uploaded correspondence
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , &   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX      XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX    XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I know was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt attention.
Product: Credit reporting or other personal consumer reports

The following account is hurting my credit rating, credit standing, and credit capacity ACIMA DIGITAL [ Account # XXXX ]. Pursuant to section 623 ( a ) ( 1 ) ( A ) of the FCRA, an agency 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. I submitted a dispute to XXXX regarding the account. In that dispute I stated that it was reporting inaccurate or incomplete information to which XXXX said that it was " verified ''. However after their investigation the reporting of the account remained the same, inaccurate and incomplete. To date, the account has been reporting a monthly charge status but the account was closed in 2018 and the payment history section doesn't report a closed status when XXXX payment history legend has a close status. How can an account report a new charge off status on a monthly basis when it's already closed? This results in the information being inaccurate, incomplete which violate the FCRA and XXXX XXXX ( the procedures that consumer reporting agencies adopted to ensure accurate and timely reporting ). I had notified Acima and this information should be deleted as stated in section 623 ( a ) ( 1 ) ( B ) of the FCRA. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$19000.00} XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was a XXXX XXXX  customer who over this last weekend had their account shifted over to US Bank due to the merger. When I finally set up my US Bank portal, I noticed money missing from my account. After researching, I discovered at least 5, possibly more, duplicate pending charges. Contacted the US Bank customer service and was told that they were aware of the issue, but it's " not their fault '' and it's going to be resolved by the end of the business day. The customer service insisted that the five completely different charges by five different companies were doubled during the transition due to an error on the five different companies end. They said that there was nothing US Bank could do as it wasn't their fault, but somehow it would be resolved by end of business day today. If it's not US Bank 's fault, how can US Bank claim that it will be fixed by the end of the day? I don't appreciate being lied to and currently have a bank account that is overdrawn because of this problem. Waiting until the end of the business day is not an acceptable solution when I have bills to pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Equifax 's willful noncompliance is causing unnecessary anguish and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation.I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" Conns XXXX Inc '' has reported false and inaccurate information to the credit bureaus with claims that I owe a debt of {$3300.00} on the date of ( M/Y ) XX/XX/XXXX along with the false and inaccurate claims that I've opened an account with them on ( M/Y ) XX/XX/XXXX. I have never owed such claimed debts to Conns XXXX Inc. 
Conns XXXX Inc has no records or supporting proof that would link me to such debt. Conns XXXX Inc is unable to provide any proof beyond a reasonable doubt that would link me to this account they are reporting to the credit bureaus. 
In addition, Conns XXXX Inc is knowingly reporting an inaccurate address that I've never lived at, that is in a completely different state than what I do live in. 

Conns XXXX Inc has received an Identity Theft Report in XXXX of XXXX and as of XX/XX/XXXX has multiple FCRA VIOLATIONS. 
Each of those violations will be pursued in State Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax put this Fraud account as a public record on my credit report ..... I went to the Court house and had them to run it. I do not have a public record with this company. and never went to court or even was summoned to go to court. The courthouse told me to contact Equifax ASAP ... ... " The company is XXXX XXXX " NO PUBLIC RECORED on my File or under my name.
Product: Checking or savings account

Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to  know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.
Product: Debt collection

I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.