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 that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation 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 ready 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 enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Debt collection

MIDLAND FUNDING ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached by Equifax and I want my check
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY These OPENED AND CLOSED accounts should not be furnished on my consumer report as they are in VIOLATION. Ive submitted proof of Identification and Ftc Report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX PL XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX AV XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Mailed check with coupon in provided envelope on XX/XX/XXXX for XXXX payment to mortgage company ( Select Portfolio Servicing , Inc ) .. Funds were debited from my account XX/XX/XXXX. Mortgage company presented same check for payment on XX/XX/XXXX and again on XX/XX/XXXX, generating two {$28.00} NSF fees from my bank. I called mortgage company XX/XX/XXXX to explain their error. On XX/XX/XXXX I received a letter from mortgage company stating a returned check fee and a late fee would be charged to my account. I called mortgage company again XX/XX/XXXX to discuss their error. I mailed a letter XX/XX/XXXX detailing correspondence. No statement or payment coupon was received from mortgage company for the XXXX payment, so I mailed a letter with payment on XX/XX/XXXX, which was .debited from my account XX/XX/XXXX. I subsequently received a letter dated XX/XX/XXXX from mortgage company asking me to contact them " if ( you ) are experiencing financial hardship ''. I wrote to mortgage company again describing their error and listing all correspondence regarding this issue. I have not received any response from the mortgage company and do not know if the fees were reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had attempted to modify my Suntrust accounts in 2013 at that time I had never missed a payment, they would not look at a modification unless I was late, they suggested to miss a payment and then file the modification application and they would not report my credit file as a missed payment. I did as they said and now all these years later I see a missed payment mark on my credit file and want it corrected.
Product: Debt collection

I am writing to dispute the fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. These unauthorized accounts are damaging my credit score and reputation, and I demand their immediate removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I had contacted HSBC to close my account due to the fact the 1st of all I never got a bonus for opening an account with the them and 2ndly they're charging me {$50.00} per month. Also, considering I have a checking account with XXXX XXXX XXXX XXXX and the fact that I have rent to pay and I needed to have this account closed and I was advised by the representative on that day that I needed to transfer the balance remaining to my other account. 

After I initiated this charge it did not go through so I tried again. 

Below shows what is in my account now with HSBC ending with XXXX The first time I tried was to send {$1800.00} The 2nd time since that did not go through was. 

{$1800.00} Yet when I checked on the status of both transfers it showed up as suspended. 

Yet in my account I went from having a balance of XXXX on XX/XX/2021 to a negative balance : XXXX on XX/XX/2021. 

I had called multiple times on XX/XX/2021 to have this account brought down to 0 and to have it closed and couldn't. The first representative was XXXX. The 2nd was XXXX and when I asked XXXX for a supervisor he put me on hold and the call got disconnected. There is NO money showing transferred into my other checking account with XXXX XXXX XXXX XXXX. 

Copied below is the information I see on the attempted transfers in my HSBC checking account : Tip : You can transfer funds into your account Don't get caught with a low balance. You can easily transfer money into your account from your outside bank. Set it up now. So you are ready when you need it. 

Your accounts at HSBC are unavailable as source or destination account for the transfer as all your accounts at HSBC are currently suspended. Please contact Customer Service at XXXXHSBC ( XXXX ) for more information.
Product: Credit reporting

Experian report # XXXX date XX/XX/XXXX. Dear Sir or Madam : The sole purpose of this letter is to have Experian remove inaccurate information disputed now 3 different times on my Experian credit report. 
On XX/XX/XXXX I sent a dispute letter to Experian asking them to remove an inaccurate account for a company called XXXX ( XXXX ) appearing on my report. I initially disputed the information with XXXX requesting debt validation to include the alleged balance and calculation, proof that the account is correct, documents showing that I agreed to pay this debt and agreement that grants authority to collect this debt. To date, I have not received this from them. The company in question XXXX, has been unable to provide me with validation. I received a response from Experian on XX/XX/XXXX regarding this dispute stating that the account was updated and not removed. I then called and spoke to a customer service agent XXXX on XX/XX/XXXX who then initiated a new dispute that would take 30 more days. The company responded to Experian on XX/XX/XXXX, with no validation and is currently reporting inaccurate name information in my report. This is inaccurate information and therefore ; according too the law should be deleted from my report because it is reporting inaccurately. I spoke to another customer service agent XXXX at Experian on XX/XX/XXXX and she initiated another 30 day dispute for the inaccurately reporting information. I should not have to wait another 30 days for removal of this account on my report. I am asking for removal of this account from my credit report immediately as I have waited beyond 30 days for the solution per the FCRA that states inaccurate information should be deleted. 

Sincerely, XXXX
Product: Mortgage

Citibank is not responding to my request for compensation of all of the money I lost due to unfair lending practices as well as my request for contact information and an address to send a certified demand letter. I am requesting compensation because the situation caused me to lose a substantial amount of money. This has prevented me from being able to try to purchase a home. On the last day of escrow on XX/XX/2023, Citibank Mortgage called me in the afternoon to tell me that I did not qualify for their Home Run Loan, which they had initially approved. This occurred at the end of a 45-day escrow and underwriting process. I was assured that I qualified for the loan. They then offered me two more expensive loans. I submitted a complaint in XXXX and Citibank refunded the {$800.00} application fee. However, I was unable to comfortably afford either of the two new loans offered. I was also unable to find a comparable loan to their program. As a result, I had to cancel the contract and I lost the money spent on the inspections, fees, and lost interest of {$1600.00}, as well as part of my earnest money deposit. The loan officer had assured my realtor and I that the loan was approved and would go through on XX/XX/XXXX, so the loan contingency was removed. The seller kept {$3800.00} of the XXXX. The total amount of money I lost due to this unfair lending practice was {$5400.00} in addition to a lot of emotional distress over the loss of that much money. I would not have spent any of this money if they had informed me when I first applied or after the first underwriting that I did not qualify for the Home Run loan program. Citibank responded to my first complaint, but I did not realize that I was able to comment on that response and I missed the window. I am still trying to recover the remainder of the money from Citibank that I lost due to their error or unfair practices. I have requested a name and address to send a certified letter to Citibank, but they have ignored my request emails and have not sent the information that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -JXXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXXI : Account # XXXX -XXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXX  XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent
Product: Checking or savings account

I have tried to open up an account with Wells Fargo, but I wasnt approved. I received a letter being told to contact this website for more information. I also opened a debit card with another bank, which the bank closed.
Product: Credit reporting or other personal consumer reports

I looked at my report back 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. The account [ XXXX XXXX, XXXX ] is not complete and accurate. 

XXXX XXXX has not provided validation information under XXXX XXXX XXXX ( b ) ( XXXX ) but yet they placed a collection on MY consumer report. 

XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX XXXX has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent an email to convergent outsourcing but recieved no response. I paid the account off last year and it was updated to paid with XXXX balance. The problem is the date of first delequincy is completely wrong by almost 2 years. Convergent outsourcing has date as XX/XX/XXXX when in fact it should be XX/XX/XXXX. I will submit to cfpb the proff of this.
Product: Checking or savings account

Wells Fargo Bank charges late and over draft fees before the day is over and Also will take money from your saving without your permission and add to fees thats should not accumulate. They will also charge for fees never herd of and trying blame the account owners for the error they have changed me over XXXX in later over draft and insufficient funds when I clearly have the money in the account Never refunded me anything please help me please get my money back Im trying to purchase a home thanks
Product: Payday loan, title loan, personal loan, or advance loan

tried to settle this in XXXX i was told that the account wasnt in bad standings but i was affected by XXXX XXXX at work! they failed to work with me, and still reports this account open and late every month since XXXX.
Product: Credit reporting

I have disputed items with this credit bureau more than once about unauthorized inquiries, account that is to old to be on file ( XXXX ), and a utility bill that is being reported. Utility bills are not credit and I live in another state so the mail never got forwarded to me. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau try to say that my dispute is not specific and that they can not verify my address so they will not correspond until I furnish documents to prove my identity. I have supplied these items and proof to get the items deleted on their web site, equifax.com/document upload, and have also faxed the documents as well, all to no avail because they keep saying I have not sent them anything, which is a lie.I have used the same US mailing address for over 20 years and how dare they use this as an excuse as to why my disputes are not handled properly or accordingly. The accounts in question are XXXX and XXXX which are utility accounts that should not be on credit reports since they are not credit accounts. I want to know where they are getting this third party information from. If it is not from me, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I sent Cap One a request for a settlement for a balance due. They did not reply. 

In XX/XX/2024, I sent Cap One a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/2024, Cap One sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX  They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Product: Mortgage

I want the XXXX correctly applied to principal and backdated to XX/XX/XXXX. I want a revised amortization schedule. I want the correct balance reflected on the customer portal. 
Background : On XX/XX/XXXX my bank sent a check for the above numbered mortgage for XXXX. This amount was calculated to pay an additional XXXX on principal balance by XX/XX/XXXX. Instead NewRez applied a portion of the money toward Principal, interest, taxes, insurance, for XXXX of XXXX and applied the remaining amount to principal. I have been trying ever since to get the funds properly applied - per the company policy all additional funds are to be applied to principal. I have been getting nothing but the run around, excuses and form emails that do not address the error that was made on my account. 
I contacted NewRez about this matter on the following occasions : XXXX - spoke with Mr. XXXX ( Mr. XXXX was professional and polite ) XXXX - wrote email XXXX - Spoke with XXXX who said " ticket submitted should be resolved in 24 hours ( XXXX was professional and polite ) XXXX - wrote email XX/XX/XXXX - still not resolved wrote and spoke to NewRez refi person XXXX who also submitted a ticket on my behalf XX/XX/XXXX sent messages via portal that matter still not resolved XX/XX/XXXX spoke to XXXX call dropped, called back and spoke to XXXX XXXX who was at times extremely rude and condescending and made excuses and had trouble counting- " It can not be escalated until 5-7 days '' -even though the initial request was on XXXX XX/XX/XXXX sent a message to the CEO via XXXX XX/XX/XXXX Spoke with XXXX XXXX said that there was a note indicating that the issue would be or should be corrected by XX/XX/XXXX and that she was adding a note telling how the extra payment should have been applied. ( XXXX was professional and polite ) XX/XX/XXXX portal still not updated spoke with XXXX called dropped as I was on hold waiting for a supervisor. ( XXXX was professional and polite ) Called back was directed to a supervisor XXXX XXXX who told me that the department was behind and that there was no one else that I could speak to that could help me with this matter or explain why the additional funds were not applied to principal as stated in the company 's written policy. Not helpful.
Product: Mortgage

In XXXX We had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only spouse was not listed ) Current Servicer Bank of America Note Holder XXXX  Date Audit XX/XX/XXXX Date Closed XX/XX/XXXX Loan No. at that time XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and there were XXXX severity concerns. 
Listed in XXXX XXXXXXXX XXXX  In XXXX XXXX BofA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is the link to my new assigned account BofA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the person listed as the person associated as the President of XXXX XXXX XXXX XXXX XXXX by shares XXXX and XXXX XXXX House XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX See attached Doc for Details
Product: Credit reporting or other personal consumer reports

Contacted company on XX/XX/2023 about violations of my consumer rights Im accordance with the Fair Credit Reporting act reporting agencies 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose