23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all three credit bureaus ( Transunion, XXXX, XXXX ) a total of 10 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called to inform them that my reports show 2 bankruptcy filings that do not belong to me that was supposedly filed on my behalf in XXXX County, NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in XXXX XXXX and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all 3 bureaus and they have done nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Product: Money transfer, virtual currency, or money service

I am filing a complaint against PayPal regarding the sudden removal of all my funds from my account without any notification or explanation. I was using my PayPal account to accept donations for my game projects, and each incoming payment was labeled as a donation. I had been using PayPal for over two years without any issues. 

However, on XX/XX/2022, I received an email from PayPal stating that I could no longer do business with them and that my account was permanently banned. My balance was frozen for 180 days, and I was informed that I would be able to withdraw my funds after that period. Unfortunately, I never received any email after the 180 days, and on XX/XX/2022, I discovered that all of my funds had been removed from my account without any notification. 

I have tried to contact PayPal customer support multiple times to understand the reason behind the removal of my funds, but they have been unhelpful and only provided vague responses. Furthermore, I have never received any notification or warning about any policy violations or actions that would lead to the removal of my funds. 

I suspect that the reason for the sudden removal of my funds may be due to the fact that I registered my PayPal account in XXXX but logged in from XXXX. I am a XXXX citizen who was living in XXXX, and I registered my PayPal account using my Indonesian document, bank account, and mobile number. However, due to unforeseen circumstances, I was unable to return to XXXX and had to log in from XXXX. 

I believe that PayPal 's actions are unjustified, and I request that my funds be returned to my account immediately so that I can withdraw them. The total amount of funds removed from my account was {$5200.00}, which were all labeled as donations from individuals who supported my game projects. 

To summarize, my problem with PayPal includes the following : Sudden removal of all funds from my PayPal account without any notification or explanation Lack of communication or assistance from PayPal customer support Possible unjustified removal of funds due to logging in from a different country than the one where the account was registered Request for the immediate return of the funds to my account so that I can withdraw them Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I desperately need your help. I'm being neglected by Experian, XXXX, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all accounts in XXXX business days according to 15 USC 1681c2. Ive disputed that these accounts were not mine and yet, you continue to state another person can validate debt for me, the consumer! According to disputes per Congress, an investigation MUST BE PERFORMED! According to 15 USC 1681 a-e, it states you HAVE to do interviews with my family, associates and neighbors. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors. You nor these collection agencies did that and did not provide documentation proof. You did not provide any information interviewing nor did I receive anything in the mail. I was not given written notice in advance to dispute BEFORE you VOLUNTARY posted false information on me. This is multiple violations! Delete and provide compensation for each violation for credit bureaus reported to without notifying me of the alleged debt in writing and giving me, the consumer rights to respond. I did not give you permission to report any information on me. Therefore, I demand EXPERIAN to remove ALL accounts and I demand compensation for each violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a car loan with First Bank of Puerto Rico. On XX/XX/2012 I paid the entire debt. The bank gave me the title of ownership of the Vehicle. On XX/XX/2018 The bank updates the information in my credit report indicating that there is a balance of {$1700.00}. This incorrect information adversely affects my score.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 
Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. 
Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. 
15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 
15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 
Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). 
XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. 
Cease and desist any further reporting, selling, or furnishing of my data to third parties. 
Provide written confirmation of compliance within XXXX  days of this notice. 
Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. 
This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.
Product: Credit card or prepaid card

A recurring charge was posted on my bill for {$200.00}. This charge came from an email service that was no longer providing an acceptable service for us. I downgraded our service to {$5.00} just to keep our account open and asked the merchant -- XXXX  -- to refund {$190.00}. Since the merchant is not U.S.-based, the only method to contact it was by opening a help ticket on its site. I asked for the refund in the help ticket, but never received a reply. I then disputed the charge on my Capital One bill, but it was denied. When I called Capital One to discuss the denied credit, I was told since I did not have any documentation, it was my word vs. the merchant and even though the merchant never sent Capital One any reply, my dispute was denied. When I emphasized I did not have any documentation since XXXX  never replied to my help ticket, Capital One just stated there was nothing else it could do and tried to settle by crediting me {$100.00} of {$190.00} I disputed. I rejected the settlement. I believe Capital One is acting in bad faith. I have had this card for many years, but that didn't matter to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate addresses as soon as possible These are not my home address. Please verify and delete these immediately. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was Disputing a charge on my card that was charged prematurely. I was charged {$5.00} and told if I cancelled within 30 days I would not be charged further. They charged the next fee of {$46.00} the same day. I have been explaining this to My credit card Company. but are failing to understand the situation, that the second charge was charged prematurely. I sent then the charging companies policy and my proof of cancelation according to that policy. I never disputed the {$5.00} as that is legitimate.
Product: Credit card or prepaid card

I applied for a credit card at a local SANs Club and received letter stating a wrong credit score-my current score is XXXX and paperwork says XXXX, I would line to know where they fit this number from!
Product: Credit reporting or other personal consumer reports

I sent in this ftc report to get these fraudulent accounts removed. I did not open these accounts and my identity was stolen. i am a victim and these need to be removed immediately.
Product: Debt collection

I have never opened a XXXX account and the dates of this account was incercareted you can XXXX  my first and last name on the fraudelent account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I paid a medical bill for a medical visit on XX/XX/XXXX but still received a notice from Carter Business Services. I received the letter on XX/XX/XXXX, and called them immediately to let them know about the situation. 

1. Instead of providing me with the validity of the debt, they asked me to prove that I paid the bill in full. However, I checked my patient account and it clearly does not have a complete record.

2. The debt collector used the wrong address when they tried to collect the debt.

3. I asked them if they will withdraw the notice if this is a mistake and they refused to answer or explain further.
Product: Checking or savings account

The weekend of XX/XX/XXXX I was out shopping. I checked my citizens bank mobile app to make sure funds were available and it showed me that it was. So I made a few more purchases since I saw money was available to me. I randomly checked my mobile app on XX/XX/XXXX and it said my checking account was negative {$330.00} plus dollars. My savings account had {$340.00} in it. I called Citizens customer service number spoke to a representative then spoke with a supervisor named XXXX who is located in PA. Both the representative, XXXX and I agreed that I wasn't enrolled in the transfer savings to checking overdraft. XXXX said over the weekend the bank had a glitch and let transactions go through that it shouldn't of. She stated several times it was a bank error even though my account was set up to decline transactions if I had no funds. She tried to use an excuse about pre-authorized debits but as she saw and I explained that wouldn't apply because I haven't had one since late XXXX. Then she tried to say well you should manage your account so you don't over spend I told her I used the app prior to even shopping. XXXX 's response was that the mobile app isn't 100 % accurate. I have no contract/agreement with Citizens Bank stating that this app isn't accurate or the percentage of accuracy of the app. XXXX stated since its the banks fault they wouldn't charge me an overdraft fee as if it was a favor when its the banks error to begin with. If the bank cant properly manage my money what do I need you for is what I asked her and she didn't have a response. Anytime I have used my card and checked the app directly after a purchase it shows immediately in that app. This was the first time this has ever happened. I asked to speak with someone above XXXX she said there is noone and said she was submitted a complaint to the chairmen board. XXXX said the board would contact me in 1-3 business days this conversation happened on XX/XX/XXXX. Noone contacted me. So today XX/XX/XXXX I called and spoke with manager XXXX who is located in Rhode Island and her extension is XXXX. I called today because on the same day I called XX/XX/XXXX XXXX Bank transferred the money I had in my savings into my checking and then charged me a {$12.00} savings overdraft transfer fee. This was done with out my permission. when I spoke with XXXX I told her this. XXXX stated that I have the savings to checking overdraft plan. I told her that was untrue and the XXXX people that I prior spoke with agreed that I didn't have that plan because if I did for one they wouldn't of charged me {$12.00} ( I know this because I had this plan a few years ago. I cancelled it in XXXX but every year i have this same issue with them. I would call once a year to complain and tell them take me off that plan and decline my payments if the funds aren't there ) she said I enrolled in XXXX which is a lie. So on top of the " glitch '' which didn't decline my card or the app showing the correct balance they transferred monies without my consent.
Product: Checking or savings account

XXXX XXXX XXXX Capital One Savings Account # XXXX I responded to a Capital One savings account promotion on XX/XX/XXXX by opening a consumer savings account. The promotion promised a {$100.00} bonus on condition of depositing {$10000.00} within 15 days of account opening. The following day on XX/XX/XXXX, I deposited the {$10000.00}. On XX/XX/XXXX, I withdrew {$9000.00} from the account following the 90 days. 

See the text of the offer here : " Earn a cash bonus when you open a high-yield 360 Performance Savings account with promo code XXXX, make a deposit of external funds within 15 days and hold the deposit in the account for 90 days. '' According to the offer, the {$100.00} bonus should have been deposited by XX/XX/XXXX. On XX/XX/XXXX, I contacted CapitalOne regarding the bonus and was told that the 90-day holding period began on XX/XX/XXXX, not on XX/XX/XXXX, and that I had not met the 90-day holding requirement. The representative stated that the case would be escalated for consideration and could take 45-60 days to resolve. 

This failure to make clear the timing requirement is deceptive and unfair. Had I known the holding period commenced on XX/XX/XXXX rather than XX/XX/XXXX, I'd have left the funds in for more time. On the surface, this is 12 USC 5531 violation.
Product: Credit card

I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX , XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.