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

I have a PayPal Account that has been permanently Limited, I have my bank card for another business along with a personal checking account linked. Upon the freeze I have no access to my accounts, I have tried to talk to PayPal and all I get is that my funds can not be touched for 180 days and none of my accounts can be removed. I do not even have the ability to email Paypal I have no authorization for that service. 
I have only {$220.00} being held, however I do not wish to leave my husbands bank card linked to the account. 

When I did speak with someone I was told that the bot or the computer was how my account was limited and once that occurs there is no reversal. I was told to read the " USE POLICY '' of which I have and there is nothing in there I have done. The only thing that I have used my account for was to take payments of between {$12.00} and maybe {$50.00} for webpage design and make purchases of software and other merchandise. 

I need to know what you can do for me? I need to get this resolved as soon as possible. 

Thank you. 

XXXX XXXX XXXX or email at XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second. 

I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process. 

They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers. 

I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck. 

I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.
Product: Credit reporting or other personal consumer reports

This company is in violation per 15 U.S. Code 1691b. 

I found a number of mistakes on my credit report, have contacted them numerous times in an effort to resolve these issues and they have down right failed to comply with FTC Regulations and refused to fix this issue. This is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

For the past six months, I have been attempting to resolve a dispute with the credit reporting companies. Despite my repeated efforts, all I receive are letters stating that the issue has been resolved, but the problem persists. Specifically, the companies have failed to address an erroneous charge on my account. I have contacted the credit reporting companies multiple times via mail and phone, submitted formal dispute letters with supporting documentation, and followed up regularly to check the status of my disputes. However, I continue to receive repeated letters stating that the issue has been resolved, but the incorrect information remains on my report. Despite my diligent efforts, the issue has not been corrected, which has adversely affected my credit score and financial standing. I am seeking assistance from the CFPB to resolve this matter promptly and ensure the accuracy of my credit report. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Someone ran my credit without my consent or approval on the following dates these are all fraudulent XXXX. XXXX  one XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX. XXXX XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX XXXX on XX/XX/year>
Product: Money transfer, virtual currency, or money service

Cash app could not get a person on phone to voice my concerns. Had money disappeared from my account. Responded on chat then everything was deleted.
Product: Debt collection

KLS Financial Services / XXXX XXXX XXXX XXXX failed to verify /provide proof of debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ). This item is currently reporting to XXXX, XXXX  and XXXX. Also, this debt was remove from all 3 credit agencies and reinsert by KLS Financial Services / XXXX XXXX XXXX XXXX XXXX XXXX without providing written notification according to 15 U.S Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )
Product: Debt collection

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Urgent Request for Correction of Past Due Payment Reporting and correct the payment notification portal I am writing to bring to your attention a critical issue regarding the reporting of past due payments on the Huntington Bank credit card online portal. As a new customer with an impeccable credit history, I was surprised to discover that the portal failed to accurately reflect a past due payment for XXXX. Instead, the system rolled the overdue amount into the current balance without notifying me of the outstanding payment. 

This Huntington system reporting error has resulted in my account being marked as 30 days past due, negatively impacting my credit report. I would appreciate your assistance rectify this error immediately by removing the 30-day past due payment that was inaccurately reported to the credit bureau XXXX
Product: Credit card or prepaid card

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending XXXX XXXX XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending high school at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i XXXX XXXXXXXX XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the XXXX XXXXXXXX XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the XXXX grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Product: Credit reporting

Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
Product: Credit card

I signed up for the avant credit card via XXXX recommendation based solely on the advertisement of 6 months of on time payment history and you would get a credit line increase. I signed up in XXXX and have made more than one payment every month since, all on time and more than minimum. I then requested a credit line increase and was denied. I called to complain they said they took note and did not honor the advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Product: Checking or savings account

My name is XXXX XXXX and I reside I. XXXX Virginia. I'm a XXXX XXXX XXXX senior citizen and I'm XXXX and have been since XXXX of XXXX. I receive my income from Social Security XXXX. I found some unusual charges from my checking account. So I invested my account and found out that some one was stealing XXXX 's of dollars from my checking account using my debit card that was saved on XXXX XXXX account. So I started my own investigation I to the unauthorized charges found on my bank statements and I found them recorded on my online banking account. I bank with Chime and have been with them since XXXX. I've never experienced this kind of fraud in all my years of banking. I reported all the unauthorized charges posted to my checking account immediately. I was informed that I needed to file a dispute immediately. So I filed a dispute with the bank. I also notified the merchant of all the u authorized charges posted to my XXXX XXXX Account that is recorded in my activity on my XXXX Account. XXXX did an investigation and they informed me that they only allow a customer to be refunded if unauthorized charges were made in my XXXX account. Their policy states that they only allow a customer to be refunded unauthorized charges made on your account. XXXX only refunded me XXXX for unauthorized charges in my account. Do I called my bank Chime and informed them that the merchant that was involved in the unauthorized charges refunded me XXXX XXXX that was what they were linked to refund. So I ask the customer service technician what was their policy of recovering charges made on my account that were unauthorized by me. I was informed that I have to file a dispute immediately do that they could conduct their investigation I to the unauthorized charges. I was then I formed that their investigation would take 7 to 10 days to be completed. I received their results by email. Their finding was that they found no suspicious activity in my checking account. I immediately called my back to inform them that I disagreed with their results and ask to file an appeal so that they would start another investigation I to the unauthorized charges made to my checking account. I received s email from Chime Bank 1week after I requested so appeal be performed. Again the results of the investigation was that they denied my appeal and that I was eligible to receive all documents used in their investigation I to my u authorized charges. They told me they had 10 business days to supply me with the documents. Well it's been 1 month since I was told to expect the copies of the documents 10 days. I've ran out of ideas to see how I could get reimbursed for the authorize charges. I ask my attorney what I should do about my bank that denied my appeal and was told to file a complaint. Well thank you for reading my messy and I hope to get a response from your company with good news. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sought to have some erroneous reporting on my credit report corrected. It's a simple error but has an undue impact on my credit report. I tried every number I could locate to try and speak with a live customer representative. Every number I tried gave the same recorded answering message instructing you to give the action you are requesting. Could not get past any of them although the info I gave was correct. I then proceeded to try an file my dispute on their online dispute center. I could not get past giving my correct physical address even though the info they had is correct. 
This company holds too much power over us to not try an give correct info on their credit reports. I know that at first glance this may seem like a trivial complaint, but I hope you can relate to it. Our very lives are affected by our credit reports and they XXXX well should be held accountable. 
Thank you, XXXX XXXX
Product: Student loan

I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone
Product: Credit card or prepaid card

i have contacted discover card every month since XX/XX/2023 asking them to stop going in to my account taking XXXX dollars without my authorization. My account doesnt have auto pay. discover i has refused to comply. they are violating my rights under FRCA. 15 usc 1861 n i - wilful non-compliance.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and my identity has been compromised as a result of this I can not move forward financially in using my credit. I am trying to move and put my family into a place where we can live and as a result of these negative items being on my credit report that are not mine I can not. Please assist me in removing these items off my credit report please. I have attached an FTC report to prove that these items are not mine. I have already reached out to the credit bureaus and original creditors please help me.
Product: Debt collection

On XX/XX/2023, I sent out a letter of validation of debt pursuant to 15 USC 1692 GB. Prior, I noticed a debt collection account was furnished on my report. I did not recognize this company, and I did not receive a model form b1 form pursuant to 12 CFR. 1006 Regulation F. I gave the company 30 days to validate the debt and now it's been more than 30 days, but no response. I tracked them and saw that my letter has been delivered to them. They ignored my letter and failed to delete the parked account off of my consumer report. They violated my consumer rights by failing to validate and prove that the debt belonged to me as well as furnishing incomplete information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX TX XXXX LTD Financial Services is trying to collect XXXX of debt using the loan service XXXX XXXX XXXX XXXX XXXX located in XXXX Arkansas under my name XXXX of XXXX XXXX Charged XXXX interest Charged XXXX fees Total debt now is XXXX Letter sent out XX/XX/2022
Product: Debt collection

I XXXX XXXX, ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BMW OF XXXX ON XX/XX/2021. A CONSUMER CREDIT TRANSACTION IN WHICH A FINANCE CHARGE WAS INVOLVED 15 USC 1601 DEFINES A FINANCE CHARGE AS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. THE FINANCE CHARGE DOES NOT INCLUDE CASH BUT BMW OF XXXX TOOK CASH. THE FINANCE CHARG ALSO IS SUPPOSE TO INCLUDE INSURANCE BUT BMW OF XXXX MADE ME PURCHASE INSURANCE SEPARATELY. BMW OF XXXX WILLFULLY AND KNOWINGLY FAILED TO PROVIDE/DISCLOSE INFORMATION REQUIRED UNDER THE PROVISIONS OF 15 USC 1601. 

THEY ARE NOW CIVILLY AND CRIMINALLY LIABLE
Product: Student loan

Sallie Mae ( XXXX ) has charged me far more interest than I agreed to when I took out the loan initially. Additionally, late fees are too high. 10 years after I graduated, my total amount owed is the same as the initial amount, even though I have paid over {$600.00} per month for 10 years.
Product: Credit reporting or other personal consumer reports

I had a {$50.00} account with possible finance, opened XX/XX/year> that is showing charged off. 
I have an outstanding balance of {$15.00}. 

The account is showing charged off, its not showing in collections. 
They are continuing to report substantial late payments on my credit report. 

I am unable to get a hold of anyone. Their phone number listed on my credit report plays an automated message telling me to email them. 

After repeated emails I have not been able to get any response from them off how to resolve this matter. 

It is damaging my credit and creating financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency 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. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$230.00} Date of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Identity Verification and Address Correction Dear Sir/Madam, I am writing to inform you that I am currently unable to access my credit report and have been advised to submit a copy of my drivers license and Social Security card to verify my identity.

Additionally, I have noticed that there are two incorrect addresses being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX These addresses & zip codes should not be associated with my credit report. The only correct and valid address that should be reporting is : XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is reflected on the copy of my drivers license enclosed with this letter. I kindly request that you update my records to reflect only my current address and remove the incorrect addresses listed above.

Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to resolving it at your earliest convenience.

Thank you for your cooperation.

Sincerely, XXXX XXXX