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

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe this limitation is the result of a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various transactions, both personal and business-related, with the utmost respect for PayPal 's terms of service. It has always been my intention to conduct all activities in compliance with your platform 's rules. 

I kindly request that PayPal reconsider and thoroughly investigate my case. If any discrepancies or issues have arisen, I am more than willing to cooperate fully and provide any necessary information to help resolve this matter. My goal is to restore my account to its previous standing so that I can continue to use PayPal 's services for my online financial transactions. 

I understand the importance of maintaining a secure and trustworthy platform for all PayPal users, and I fully support PayPal 's efforts in this regard. If there have been any concerns about my account activity, I am eager to address them and take any necessary steps to rectify the situation. 

I genuinely value the convenience and security that PayPal provides, and I would like the opportunity to continue using your services for my online financial needs. I believe that a careful review of my account activity will demonstrate my commitment to being a responsible PayPal user. 

Thank you for your attention to this matter. I kindly request a prompt review of my appeal, and I am available to provide any additional information or clarification as needed.
Product: Debt collection

I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine.

PORTFOLIO RECOVERY ASSOCIATION.
Product: Debt collection

XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have made multiple attempts to resolve this issue with Transunion.
By Mail, And Phone..
Product: Mortgage

This is a follow up to the complaint I stated XXXX/XXXX/2109 with XXXX. I went to pay my mortgage this month with XXXX and was told the loan was sold to Shellpoint. I have not received any paper work on this and understood they need to give you 30 days notice which I did not have,. XXXX states they did not have the correct mailing address and the info was sent back per bad address. Funny ... .XXXX has had no problems over the past 7 years getting info to me and monthly coupon books for payments with info on total and payments on loan..Any way I am the one that reached out to Shellpoint as I had no payment coupons from them or any info and the payment was due ... .I had to make over the phone with rep and recieved confirmation number for the payment which was being taking out of account. Checked mail today and still no info from them that I was sold and yet I had to make payment. No info no info on my loan that was sold ... ..no financial info on my mortgage loan ... ... I feel I should of had info on this ... .contract? It is wrong that client is not informed of this in advance ... ..and has no idea where to turn ... no paperwork on loan transaction ....
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate payment history, across XXXX, Equifax and XXXX, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. US DIST CT-EASTERN DISTRICT : Bankruptcy XXXX. XXXX Reference # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where XXXX, Equifax and XXXX are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX  of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a request to remove false and identity theft items on 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 with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. XXXX Equifax and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend. 
I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Debt collection

recently was unaware of a debt that i do not owe. was sold to collections. this was a joint lease agreement with ex-spouse. ex -spouse closed the lease with out my knowledge and informed me no money was owed. i klater find out years later by checking my credit report. that the apartment XXXX XXXX XXXX XXXX XXXXXXXX XXXX. sent to collections under my name. with out any written notice email or phone calls to me stating that a debt was owed. 



15 U.S.C 1681 section 604 A section 2
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, incorrect accounts should be removed from reports. Could you review the documents? The accounts on my report are incorrect, and it's making me feel upset and unwell.
Product: Student loan

Wellsfargo continuously misapplies payments and proceeds to charge late fees.
Product: Prepaid card

For my job XXXX. These profiles are not used anywhere other than in our testing environment. 
Today I received a XXXX XXXX paycheck card from a company called netSpend. The card is associated with XXXX of my XXXX, but it has my personal home address on it. 
There is no way this company obtained this profile through legitimate sources. I tried calling the company but was not able to get through to anyone. 

Account number is XXXX XXXX XXXX XXXX Name on the card is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issue 's such as Faling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. 

The accounts in reference are : XXXX XXXX - account number partial # XXXX - inaccurate Late payments ( Please remove ) XXXX XXXX - account number partial # XXXX - inaccurate Late payment ( Please remove ) XXXX XXXX - ALL ACCOUNTS- Not my accounts ( Please remove ) XXXX  - account number partial # XXXX - inaccurate Late payments ( Please remove )
Product: Money transfer, virtual currency, or money service

Hello, I am not sure if I am submitting this into the right section, but I am hoping so. I made a transaction on XXXX with a XXXX  seller. She claimed to have tickets to a XXXX game, two for {$350.00}. I paid her and two minutes later she claimed it didnt process. I checked and it showed she received the money and it was taken out of my account. I told her this and she tried to claim I still needed to pay her again. I said I was not comfortable and wanted my money back. The money is still out of my account and into hers. Both XXXX and my bank, Wells Fargo, are not being of much help with anything as of now. I have involved the police, and we are trying to further investigate.
Product: Debt collection

On XXXX I reported the reliant energy account # XXXX as NOT XXXX Reported to XXXX Tx police report # XXXX Reported to XXXXXXXX XXXX NC XXXX report XXXX XXXX The person who opened this account is using my SS # not theirs and has a similar name. 

I have never lived in the state of XXXX. No family member lives in XXXX No person is authorized to use my info to open any account.
Product: Debt collection

These two debts charges on my credit report are not mine and where not made by me because I was incarcerated at the time making it not possible for me to have made these charges. Thank I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00}
Product: Credit card

I filed a complaint with the CFPB on XXXX XXXX XXXXXXXX CFPB sent my complaint to BOA in regards to my credit card payment not being procerssed. I ahve left three messages with BOA XXXX XXXX XXXX XXXX and she still has not repsonded to my request. I apid trhe credit card off in full ( {$2100.00} ) on XXXX XXXX XXXXXXXX and the payment is being held by BOA and not credited to my account. I paid sveral other cards off and the accpted payment and credited my account he same day. BOA is still holind my payment and refuses to apply my paymnt to my account. I beleive this is illegal. My two complaints with CPFB with BOA have been forwarded to US Senator XXXX XXXX XXXX office this morning. 

I am requesting enforcement action against BOA imemdiately. BOA 's bahavior is deceitful, deceptive, and unaccaeptable.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I filed for a chapter XXXX protection in XXXX, i was making my payments and due to my health i had to quite working I was unable to make a chapter XXXX and the case was not discharged. I moved to XXXX XXXX and in XXXX filed and received a discharge for a chapter XXXX for the creditors that was listed in the XXXX chapter. Transunion reported it as a chapter XXXX discharge in both XXXX and XXXX, even though the XXXX chapter XXXX was not Discharged all the other credit reporting agency have removed the public record but for some reason Transunion has not. I have checked with the court in XXXX and they say that it has not been discharged but Transunion keeps insisting that they can verify the information. The fact is it is against the Bankruptcy code to file and have discharged two chapter XXXX with in ten years. I do not know who they are verifying there information with but i know that the one in XXXX should not be showing discharged I am just trying to get the correct status on recorded and not be dinged for the same thing twice. Docket # for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit and noticed I have a few addresses on my credit report that are not mine, Ive have dispute the inaccurate information and its been 60days and its still showing and I never received a response from XXXX and I need this information deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've received 10 calls in the past 22 days from Vital Recovery Services with a recorded message to call a number about a debt. I 've called and verified I am not the person they are calling for and I do not know the person. They said they would remove my phone number but I continue to receive calls.