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

I recently went through a divorce and my credit and finances have suffered. Everytime I get a little bit ahead on my Citi-Bank credit card they drop my limit negatively effecting my credit utilization and debt/credit ratio. They've decreased my credit XXXX times in the last XXXX months and each time drop the limit almost exactly to the amount owed. I've tried to contact them about lowering the payment so that the finance charge won't push me over the limit but they've been very hostile and unwilling to work with me. I spoke with a representative in the credit department and he kept mentioning my accounts with other companies as the main factor and was using an outdated credit report.
Product: Mortgage

I submitted a inquiry ( and only inquiry ) about COVID relief and specfically asking if there were retroactive option. Here is exactly what I wrote : " Is it possible to apply COVID relief measures retroactively? To apply a measure starting from and ending on an earlier date in order to mitigate recent past issues? '' Nowhere did I request to have my account put into forbearance. BUT, Freedom Mortgage took it upon themselves to do this without my approval/consent/knowledge. I learned yesterdayXX/XX/XXXXby checking the website that I'm under " disaster mitigation '' and " forbearance ''. ( despite setting up autopay, I must check this website almost every day as this website has had a history of issues, another story for another day ). 

To reiterate I NEVER REQUESTED forbearance. Freedom did this without my approval/consent. I sent several internal messages I called today, as was told it would be " removed in 5-7 buisiness days ''. That is not good enough, I'm currently refinancing with another better company and this may cause a hangup, and I don't have faith this will be corrected quickly. 

I never wanted a forbearance, I made a casual inquiry about options. How is this even legal?
Product: Debt collection

The debt was back in XX/XX/2012and should have been resolved by now and the debt was paid
Product: Money transfer, virtual currency, or money service

Hi good day, please help me to resolvemy problem. I'm using my Paypal Account since XXXX and then one day they send an email that's say 's " You can no longer do business with PayPal ( Ref ID - XXXX ) '' on XXXX XXXX Paypal is the only way that I know to get the payment of my customers. I begging you please help me thank you and godbless.
Product: Debt collection

First Credit Services. Multiple repetitive calls from fake numbers to deceive me into answering.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that the addresses and personal information on the report are inaccurate. I looked your website and enclosed the proof of the current address that you require please make sure that there aren't any inaccurate names and addresses on my credit report. I ask that you be sure to match the spelling of my name with the social security number and date of birth to ensure the accuracy of the records you're reporting. 

I do not wish to have any telephone numbers on my report. please remove all other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate. 

please send me an updated credit report as soon as you have deleted the incorrect addresses show above and ensure that any incorrect names have been removed. 

Thank you.
Product: Money transfer, virtual currency, or money service

I have used PayPal to conduct business for over the last 6 years and have done millions of dollars in transactions. In XXXX PayPal shut down my business account and froze $ XXXX for 6 months. 

I was informed they closed my account because I violated the Acceptable Use Policy but I strongly disagree with this. There are over 20 other businesses that sell the same products as me and PayPal has not shut them down even after I informed them of these websites. 


Furthermore, my personal PayPal account was shut down in XXXX. 

PayPal has a monopoly on the payment industry and I am essentially being banned from using this service for life for violating the AUP which is not right or even correct. 

I have used paypal for 15 years and they were fully aware of my business and what I did the entire time I used. If I was doing something that violated it I would not be using their service.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX XXXX at Wells Fargo Bank XXXX XXXX XXXX, XXXX ( Branch Number XXXX ), the Banker XXXX XXXX worked on my accounts customer relationship update.

He worked very inefficient and did not pay attention to my responses to his questions. A simple update work ( simply add one extra name in my bank account ), he worked from XXXX until almost XXXX. Finally, at the end of the paper works, he found out he forget I request to downgrade to the accounts without minimum deposit of {$20000.00} limit. He asked me to come back tomorrow. I said I have been waited for 90 minutes, why dont we complete it in today. He replied, I am rush to pick up my kids, if you dont go now, I will call the POLICE.

Can bank call police if his customer not satisfied with the clerks work?
Product: Credit reporting or other personal consumer reports

Recenty, I did an investigation on my credt report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n in general if, 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 shallpromptly 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 promptly notify the franchise of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian refuses to do a proper investigation about an erroneously reporting account on my consumer report, and they will not remove this account even though it is clearly reporting inaccurate information. I have disputed this account on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After each dispute, they just changed some alleged late payment dates around, and changed the Closing Date on the account. Literately, they changed this account 5 times, and after each time, they claimed it was accurate. I even asked for their " method of verification, '' as is my right according to the FCRA, but they basically ignored my request, and just responded with the generic " This account has been verified as accurate '' response they always give. Also, In regards to another erroneously reporting account I filed complaints against them for, they refused to remove the previous accounts as well, and have the unmitigated audacity, to respond with a lecture about using, " credit repair services ''. Yes, they actually said that Credit Repair services can not do anything for me that I can not do for my self! Basically implying that I am not the person sending these disputes, and this complaint as well of my own accord. These consumer reporting agencies are out of control. This account in question, needs to me removed, immediately. These errors are costing me money, lowering my credit score, and Experian could care less.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiry on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX  XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting this changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 
J.
Product: Checking or savings account

We are reporting the violations of banking laws, industry practices, and fraudulent activities of Bank of America. Spying on XXXX citizens, and that is exactly what the Bank has been doing is illegal. Conducting surveillance on customers, including Americans, is unconstitutional. 
Bank of America and XXXX XXXX, a firm which is executing the XXXX XXXX XXXX for Bank of America are violating rights of Americans. This is a conspiracy to defraud the XXXX Government. XXXX XXXX committed to successfully complete this XXXX helping the bank to meet its regulatory obligations. The bank has been shivering trying to comply with the requirements imposed by XXXX regulators, and is conducting illegal surveillance of its customers. XXXX, which is a branch of the employment agency XXXX XXXX, in its turn, is investigating customers accounts, and conducting illegal surveillance of its customers. XXXX continues its practices of fraud and manipulation as a successor of XXXX XXXX. XXXX deliberately ignores dozens of thousands of XXXX cases to be properly evaluated to avoid XXXX filings and reporting to XXXX. The majority of the cases reviewed are not only suspicious but also reportable as the customers of the bank make credit and debit transactions involving huge amount of funds without having any verified sources of income. Most of the XXXX cases are accounts of customers who are foreign citizens, especially citizens of high risk countries. There are thousands of cases which are the accounts of customers who are illegal aliens. The firm intentionally does not review nor report such cases though most of these clients don't have sources of income but make regular huge deposits to their accounts of all types, and transfers to other countries including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others. 
The XXXX Analysts create financial fiction to justify the conclusion of their investigations. They are instructed to use the system-generated comprehensive account reviews and add XXXX sentences copied from such reviews, and determine a XXXX filing status of the cases to report to the bank of the successful management of the project. XXXX has been deliberately hiring absolutely unqualified analysts who do not have any prior experience in non-financial crime investigations so that they would not question strange orders to ignore facts. Most of these hires have never heard about XXXX, XXXX, XXXX, the XXXX, and the project directors and managers of XXXX XXXX know themselves that the XXXX XXXX XXXX does not exist anymore. Absolute ignorance of laws, regulations and policies, inability to properly organize, manage and execute this project has been causing serious problems for this firm. The project management has been totally hiatic, messy, and disrespectful to the Analysts who are forced to falsify investigation facts. XXXX has been disrespectful to the XXXX Government trying to hide criminals who commit money-laundering, XXXX financing, sanctions violations. Violating XXXX laws by spying on XXXX citizens is a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX of 2019 I submitted documents to both Experian and XXXX  regarding a bankruptcy being reported to my credit. I submitted proof from the Circuit Courts they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX  and XXXX  sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Credit card

Capital One stole interest from me I paid in full every month and they were still billing me the amount
Product: Credit reporting or other personal consumer reports

I have attached a pdf dispute letter containing all of the information that was fraudulently opened in my name. I also attached the police report filings for the fraudulent accounts. My state identification card along with my proof of address are all attached to make for a swift identification and removal. Please review the accounts and remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.