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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing this letter to express my dissatisfaction with the permanent limitation placed on my PayPal account. I strongly believe that this action was taken in error and without proper justification. As such, I am requesting that PayPal re-investigates my case and restores my account if possible. 

I have always been a law-abiding and responsible user of PayPal, and I have not violated any of the company 's policies or guidelines. Therefore, it came as a surprise to me when I received a notification informing me that my account had been permanently limited. 

I would like to reiterate that I have not engaged in any fraudulent or illegal activity on PayPal. I have always followed the company 's policies and have never been involved in any disputes or chargebacks. 

I understand that PayPal has its own protocols and procedures for dealing with account limitations, but I believe that in this case, a mistake may have been made. I respectfully request that PayPal re-evaluates my account and provides me with an explanation for the permanent limitation. 

If it is found that my account was indeed limited in error, I would appreciate it if my account could be fully restored. I have been a loyal and active customer of PayPal for several years, and it would be a great disappointment to lose my account due to an error. 

For your reference, the email address on my PayPal account is XXXX. 

Thank you for your attention to this matter. I hope to hear from you soon with an update on my account status. 

Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX XXXX, I spoke with XXXX XXXX with Deutsche Bank regarding XXXX XXXX. He stated to me, to send an email to him at XXXXXXXXXXXX regarding my issue. On XXXX XXXX XXXX at XXXX, I sent an email to XXXX. As of today, XXXX or Deutsche Bank has failed to respond to my inquiry! Please review the email that is enclosed that was sent to Deutsche Bank. Now ; I filed a complaint against XXXX XXXX with the CFPB, case # XXXX. XXXX uploaded a Deutsche Bank loan schedule onto this complaint. This loan schedule reflects that Deutsche Bank loaned XXXX XXXX millions of dollars on XXXX XXXX XXXX. Please review the enclosed document! On XXXX of the pages shows our residence located at XXXX XXXX XXXX XXXX XXXX Nevada XXXX, loan # XXXX for {$460000.00}. NOTE : XXXX XXXX failed to provide assignments and a certificate from the trustee going all the way back to our original lender, XXXX XXXX Mortgage. An assignment ( s ) are used when an investor or bank sells or transfers the asset. A certificate is also issued when an asset is placed into a pool of trusts by the trustee ( XXXX Bank as trustee for XXXX XXXX XXXX XXXX ) to reflect who the current investor is. The trustee will know who to send funds too for this asset being in the pool of trust! As of today, XXXX XXXX failed to provide the documentation that we requested. Now ; since XXXX XXXX provided a loan schedule from Deutsche Bank, we must confirm with Deutsche Bank weather or not XXXX XXXX had this loan for our property! Anyone with computer skills can create a letter head from a previous loan, then remove information and then add the information that you want in order to reflect that XXXX XXXX had a loan for our property. This loan Schedule does not by any means reflect that XXXX XXXX is the current investor. XXXX XXXX could have sold or transferred our note as the evidence that I have in my possession will reflect! XXXX XXXX possibly, failed to create legal documents to show legal ownership of the asset! We request to know if XXXX XXXX had a loan for our property in the amount of {$460000.00} dated XXXX XXXX XXXX, loan # XXXX. We request this information in writing!
Product: Mortgage

Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. 
XXXX I used up my savings to pay mortgage. 
XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. 
XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. 
XXXX another unemployment, and another modification request. More runaround. 
XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. 
XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. 
I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. 
They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. 
Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! 
XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! 
My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and Experian for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud
Product: Credit reporting or other personal consumer reports

I was trying to open up a checking and savings account and i realize that i have damages on my credit report. According to the 15U.S.C 1681 law, there should not be any damages on my report, its a defamation to my character.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating.

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up.

The date on which you contacted the individual information furnishers.

The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or XXXX. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.
Product: Credit reporting or other personal consumer reports

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with XXXX5 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. 

I checked my credit report in early XX/XX/XXXX and found XXXX   listed 2 hard inquiries ( XXXX  on XX/XX/XXXX & XXXX  on XX/XX/XXXX ). XXXX listed 1 ( XXXX  on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above. 

XXXX, XXXX, and XXXX  quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing. 

On XX/XX/XXXX, I contacted XXXX who said they never received anything from XXXX  and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX   again. XXXX  stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX  also sent me a confirmation email ( which I requested ). 

On XX/XX/XXXX, I contacted XXXX again to see if they received the letter from XXXX  ... XXXX stated that they had not. I asked how I could submit the letter of proof that XXXX  sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( XXXX  ) explaining their determination. I called XXXX  again, and they said there is no such number to call, and all they can do is submit the letter again to XXXX. As a side note, I was " disconnected '' from XXXX 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes. 

On XX/XX/XXXX, I contacted XXXX again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX. 

Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything. 

I am stuck with no recourse to straighten any of this out. Please help!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Debt collection

Credit Systems International Inc has defamed my character, and creditworthiness and continues to commit periodic invasions of my right to privacy. They have furnished an unverified alleged debt to multiple third parties, including but not limited to XXXX, XXXX, and XXXX. This has caused me financial harm, emotional distress, and embarrassment. Due to their unfair furnishing of this unverified information, I've been denied credit on multiple occasions.
Product: Credit reporting or other personal consumer reports

5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX {$1500.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, LVNV FUNDING LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

I was apart of the XXXX, XXXX and Transition data breach.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against the XXXX credit repair reporting agencies due to inaccurate credit reporting. Despite my efforts to resolve the matter, they have not addressed my concerns, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate information in my credit report and a proper investigation of disputes. I also invoke the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding unfair or abusive debt collection practices.

I request that the CFPB : Investigate this issue.

Ensure corrections are made to my credit report.

Enforce compliance with federal laws. 


Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with Experian maybe XXXX each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiry is being reported to my personal file. The TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. I need the following Inquiry to be removed as soon as possible. 
XXXX XXXX  XX/XX/2022
Product: Credit card

i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX XXXX I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act