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

Hello, I have used PayPal for several years without issue. In the last 6 months I had a XXXX store that had used PayPal to transact hundreds of thousands of dollars. Covid had caused a damage to the economy and the sales. I had to begin refunding customers And needed to raise funds for chargebacks and refunds. I sold personal items in order to help customers and balance out the weight on my shoulders in taking care of things while maintaining a positive relationship with PayPal. When I sold the art for {$11000.00} dollars ( XXXX XXXX XXXX XXXX XXXX  my account was put on hold. The reason was because the account had disputes, but also because the amount for the single transaction was high. I submitted all required paper work and hoped for the best. At that point I could have refunded the customer and they could have wired me. I was assured things would be fine. 

PayPal locked my money, money meant to refund my customers. They put the money on hold and did not allow it to go to my customers. By doing so this resulted in dispute which resulted in fees charged by PayPal. These fees have now totaled more than what I even needed to refund to my customers. Had I been able to refund my customers I would not have had such high exorbitant fees and bills. My account went negative with PayPal. To continue to maintain the relationship I went further into debt hoping things would be ok. My mental health has suffered. I had to get a second job as a XXXX and worked XXXX  40 hours a week. I waited almost two months watching my balance go lower and lower. I called for help, asked them to at least apply the amount held ( now {$9000.00} ( XXXX XXXX dollars ) to the negative balance I have. ). Rather than helping me PayPal closed my account. They are now holding my money even longer, 180 days. If I am to suffer another 180 days of disputes and lack of refunds I will incur further debt and will have to take out more loans. I even started to fill out an application with PayPal for the XXXX sba loan, spent all day trying to do it to then have my accounts closed so the hope of relief again was taken away. 

This has caused a massive increase in debt during a difficult time. My mental health has suffered. Lack of sleep, a second job has caused me to suffer from episodes of crying and sever anxiety and stress. I have had to start seeing my therapist and taking time away from my children. My payment to my ex wife for child support and alimony have also suffered due to this.
Product: Mortgage

My condominium HOA has provided SunTrust mortgage proof of master policy for building and flood insurance on two separate occasions. SunTrust said they did not receive it and are going to force place insurance on my account.
Product: Credit card or prepaid card

On XXXX my wife and myself were going to re-new our passports with the US State Dept. through XXXX XXXX. On XXXX we decided to cancel this order as we are elderly and probably will not travel. I contacted XXXX XXXX  via e-mail and informed them of our decision. XXXX XXXX  ignored our communication and posted two charges of {$49.00} to our Barclay card onXX/XX/XXXX.I contacted Barclay Card and filed a billing dispute. Case number XXXX and XXXXOn XXXX Barclay sent me a letter that they ruled in favor of the Merchant. On XXXX I sent Barclay a letter that we never received the merchandise we paid for as we canceled the order. I am not required to pay for an item I never received 15 USC ss 1601.Barclay has since sent me a statement that I must pay {$98.00} plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Ive disputed with Equifax, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amount of {$630.00} being reported on my Equifax credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, it has been well over 30 days for equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately. it is Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Equifax, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. DELETE INQUIRIES ASSOCIATED WITH ACCOUNT
Product: Debt collection

I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital   and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from me.
Product: Debt collection

I was contacted by the law offices of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX about a Citibank debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XX/XX/XXXX. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks
Product: Debt collection

Received a summons from ( plaintiff ) and would like to request a validation letter of debt and a authorization to collect debt. With the pandemic of covid 19 and other personal hardships that has effect myself I can not confirm this debt is mine.
Product: Debt collection

I had a credit card with XXXX XXXX  ( XXXX ). The store closed. The credit card I had was written off in XX/XX/2015for an amount not more than {$400.00}. Portfolio Recovery has had this account in their system since XX/XX/2015. They have continued to refuse to provide me with detailed, itemized statements showing I purchased items totaling {$11000.00}. They will only provide a statement showing the balance but not how I obtained that amount. I have been disputing this through the credit reporting agencies since XX/XX/2015. 

I demand itemized, detailed, line by line statements showing my purchases totaling {$11000.00}. This company produces fraudulent documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card account XXXX reports me as a " Authorizer Purchaser ''. 

I know nothing about this account. I never signed for the account, I have never used or charged on this account.
Product: Debt collection

ARS is claiming that I owe them {$60.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a XXXX day late payment reported for XXXX XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit card or prepaid card

On XX/XX/2021 at XXXX I received a call from a Wells Fargo Agent from the credit card department and spoke with him about placing my closed credit card account on a payment plan. He read me out loud the agreements and disclosures and I said to stop, I dont want to proceed because the disclosure read that any other accounts I have with Wells Fargo will be closed. If thats the case then I said no I dont want to proceed with the payment plan. But he reassured me that he was sure that disclosure only refers to other accounts in similar standing such as default, late payments etc, but my other credit card account was open and in good standing so it wont be closed. Then he stated that if it was closed, it would be able to be reopened as long as I called back and asked to have it reopened. So he told me its fine and to continue with the agreement so I agreed to the terms and put my closed credit card account on the payment plan. 

On XX/XX/XXXX, I noticed my opened credit card account was closed. I then called and tried to get it reopened and I was told that it isnt true. Credit card accounts can never be reopened once closed. So they promoted me to create a compliant case with the executive department because I was wrongfully lead to believe it wouldnt be closed and would be able to be reopened if it was. 

After creating 3 separate cases and finally speaking with an agent from the executive department, they said the outcome was the same. They cant reopen my account because I agreed to the disclosures. Even though I explicitly said all 3 times in each case, that I was lead to believe the disclosures meant something else from what they actually meant. I was lead to believe one thing and result occurred. Id like my account reopened and/or some sort of compensation for this wrongful act and treatment. I was swindled into thinking my account wouldnt be closed and now I have to deal with the repercussions such as my credit being negatively affected and my credit card no longer being available for use. 
Id like for the negative affect to my credit reports be removed because this was something I was fully mislead in. 

I want my account reopened and compensation for my account being closed and having to deal with this issue for 6 months now. I have not been paying the credit card account BECAUSE I dont want to pay it and have them give the excuse of youve been paying the credit card account ever since its been closed, you have now accepted its closure, when that is not the case. I will not pay the credit card UNTIL this has been resolved. So IF this is resolved then Id need ALL late fees and unrightful interest payments accrued, be removed. Because I had been paying my credit card on time and havent lead it default. So the late fees and interest payments arent rightfully on accrued.
Product: Credit card or prepaid card

on XXXX XX/XX/2020 I filed a dispute with CitiBank concerning a double charge of {$590.00} The vendor which I was paid {$590.00} for a service verified they were only paid once, not twice. 
CitiBank informed me on XXXX XX/XX/2020 that my dispute was resolved and the wording in their letter was confusing, as they stated " We're pleased to let you know your dispute has been resolved '' Only in XXXX, did I realize my dispute was not resolved. 
I wrote a letter to CitiBank with my concerns. 
I contacted the vendor, re-confirmed they were only paid once and they stated they were NOT contacted by CitiBank. 
CitiBank stated that the charge was valid, which was not my dispute, but that I was double charged, what should have been a single {$590.00} charge was actually two {$590.00} charges. 
CitiBank has claimed I waited too long to respond, my delay was based on a misleading letter from CitiBank and waiting till I received the next statement after the correspondence from CitiBank. 
I believe CitiBank made an error in the double charge, they did not conduct a proper investigation of the my dispute and their communication has been unclear.
Product: Checking or savings account

Wells Fargo is consistently charging me overdraft fees for transactions that i have sufficient funds to cover in my checking account. Got charged $ XXXX for on XX/XX/18 for transactions that i had funds to cover in my account on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I have reached out multiple times to Equifax and have not gotten any help from this situation. I have been denied from mortgage applications because the lenders cant get my Equifax account. I have sent my social and driver license to them multiple times. I have had no success whatsoever. At this point, I dont know what I can do. I have tried CFPB and yet nothing has been fixed. XXXX XXXX says my report has not been updated since 2022. I dont have all my credit cards on that account showing. Equifax website shows I have balances on cards that I dont. None of my information is correct! I am assuming the issue is a split account! I need help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

Midland Mortgage Company is reporting delinquencies inaccurately on an account that is a forbearance status. Resulting in Derogatory reporting on my credit report by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plea

se remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.
Product: Credit reporting 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. This account 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 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 person knows or has reasonable cause to believe that the information is inaccurate. 
Accounts : XXXXXXXX XXXX XXXX
Product: Vehicle loan or lease

BMW of XXXX despite numerous phone calls, emails and such, has neglected there responsibilities in contractual execution of the lease for the BMW XXXX, by NOT providing either Temporary Plates or the NC DMV plates as per the lease contract signed and payment 's collected. 

despite 7 email 's and calls to all dealership team management ( None responded ), there has been no resolution of this fraud and thievery actioned by BMW of XXXX. 
I have paid the correct fee for this service which has NOT been provided, they have my money and have NOT provided said service/item per the signed lease contract Currently i have a vehicle that can not legally be driven in NC state, paying the monthly lease for a vehicle that is sitting in my garage. all this is due to BMW XXXX lack of attempt to resolve / correct there own lack of actions and obvious breakdown of process on there end. this lack of customer service and probably an " Business as usual tactic to steal money from customers should be investigated and probably legal actions need to be brought against BMW of XXXX by the state/federal authorities '' Receiving/taking money for an good or service and willfully NOT providing said service/good is a federal offense and is punishable by LAW!!!
Product: Debt collection

I have had a collection on the account that belongs to my room mates, in which XXXX has failed to pull the payment from default payment option in the account and have charged me a collection. Now that I have paid the owed amount because I wanted it to be removed from my Account so that it doesn't effect my credit score it still does. And when the Credit specialist tried pulling my credit score for having a mortgage loan she still sees it and I am facing difficulties as it have reduced my credit score.
Product: Credit card or prepaid card

Capital one took my security deposit to open my credit card and then closed my account and wont return my deposit. I never got to use the account at all. They closed the account before I even received the card. They told me they didnt know when I would receive a refund, or if I would.
Product: Debt collection

I am requesting validation { not verification } of an item reported on my consumer credit report. Please provide me the following information. I have included the  last four of m y social and current address to avoid any delay this account.
Product: Debt collection

XXXX is my landline number they keep calling for XXXX XXXX, have repeatedly told them no XXXX XXXX lives here .They keep calling I have begged, yelled,, asked nicely for them to stop calling they dont please help they have been calling over a year I think