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

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation to be a result of an unfortunate misunderstanding, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user and have always prioritized adhering to the platform 's guidelines. As such, I was both surprised and dismayed to discover that my account has been permanently limited. I genuinely can not recall any instance where I might have breached PayPal 's terms of use. 

I kindly request that PayPal consider re-evaluating my case. Mistakes can occur, and I believe this situation may be one such instance. I am more than willing to cooperate and provide any information necessary to demonstrate that my account has been unjustly restricted. 

I implore you to conduct a thorough investigation into the matter. I am confident that this examination will reaffirm my commitment to PayPal 's policies and demonstrate that the limitation was enacted in error. 

It is my sincere hope that, upon reviewing the relevant details, PayPal will see fit to reinstate my account. I am invested in this platform, and the loss of access has had a significant impact on both my personal and financial activities. 

I appreciate your attention to this matter and your consideration of my appeal. I eagerly await your response and hope for a resolution that will allow me to resume using my PayPal account without any further hindrance.
Product: Mortgage

XX/XX/2024, called pennymac to try to negotiate fees and to get them to either reduce or wave fee to sell house. asked for an itemized list of items they were charging me to for property preservation fee totaling {$7100.00}. they were unable and unwilling to share that information to me as well as not giving me why they winterized my home before the five day period of receiving a certified letter from them. won't explain anything about the property preservation fees due to the fact that department doesn't deal with the public as it was explained to me. was able to pull some information on scrub trimming that costed me XXXX for two scrubs I didn't have on the property. also lawn care in the winter months of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a self-lending " loan '' with XXXX where the loan is funds that I pay to myself in an account. When the loan matures, I cash the loan out with a withdrawal. In the meantime, XXXX reports to the bureaus that I am making payments. I had the account set up on auto payment, which is a requirement of the company when you set the account up ( it must be linked to an account ) and they didn't take the payments out of the account. There were always funds in this account as this was the account that my direct deposits were going into and I was always employed and I had my withdrawals scheduled for when my direct deposits were put into the account. I followed up with XXXX but they don't have any customer service agents who speak English as their first language and the language barrier was difficult to break through. I kept trying to process the payments but they kept reporting the payments as past due when I kept explaining that there appeared to be an issue with their auto-payment system because the account had money in it and I had verified the numbers were accurate, even unlinked and re-linked the account. Instead, XXXX, single-handedly brought my score down more than 100 points when I had enlisted their services to boost my scores. I was obviously in good standing because they extended an offer for a credit card, which I accepted to try to rebound my score a bit. They continue to report the account as charged off when it is NOT charged off. It is in good standing as the attached screenshots show. In fact, when I finally had enough and closed the accounts, XXXX paid ME the money they owed me for self-lending. since this was me lending myself money by paying into a savings account for the soul purpose of trying to boost my credit score. I have tried disputing this but XXXX doesnt ever fix the propblem. Now, I am about to lose {$10000.00} in earnest money and the home I am under contract on and be without a home for my family to live in ( because I already sold my home on XX/XX/XXXX ) due to their derogatory marks. Their derogatory marks need to be removed as this is the only thing preventing me from closing on my home and they are being reported in error as the documentation that I am uploading clearly shows. 

Additionally, when I opted to close the account early, there were fees assessed that weren't itemized. I have NEVER been provided a statement or itemization explaining these fees. When I log in through the app and on the computer, there is ZERO transparency and no access to past statements showing balances, fees, payments, etc. There is no truth in lending or transparency and leaves a lot to the consumer to question and wonder about where their money is going. 

I have a very short period of time for this to be resolved before my EMD is forfeited to the seller of the home. I ask that this is resolved in a timely manner. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX dba Attorney at XXXXXXXX XXXX XXXX XXXX. has been alerted that they were interfering with a billing dispute with Navy Federal Credit Union. All correspondence has been ignored. No contract exists between XXXXXXXX XXXX XXXX XXXXXXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from Navy Federal Credit Union. They were also informed that they are interfering in a Trust matter. 
A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via Registered mail. 
Navy Federal Credit Union and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just six months after my closing for making false statements to Federal agents for real estate matters. Seven months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. 
Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXXXXXX XXXX XXXX XXXX. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXX XXXX XXXX XXXX. have notified to Cease and Desist collection efforts. 
Navy Federal Agents XXXX XXXX dba Chief Executive Officer, XXXX XXXX dba Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9500.00}
Product: Debt collection

It was several loan taken out in my name while I was XXXX. As a single XXXX XXXX member, I have to leave a copy of my ID , drive license, Social Security, and power of attorney and guardianship in order for my children to go the doctor and etc. Loans from XXXX and SOFI Lending were all applied around the time. Credit Bureaus are reporting correct information. XXXXXXXX XXXX XXXXXXXX is saying debt collection. I shouldnt have to pay due to identity theft.
Product: Debt collection

I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.
Product: Credit card or prepaid card

Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the Equifax Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. XXXX  is reporting outdated info XXXX  bought the debt and is reporting dates wrong and outdated information.

All of which are aware. We have a recorded conversation with a XXXX   Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4 times? That is a Clear Violation. XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX RE : Transunions failure to physically verify the originally signed consumer contract of the three below fraudulent accounts, has hurt my ability to obtain credit. 

To Whom It May Concern : TransUnion This letter is to inform Transunion that you are reporting inaccurate and incomplete credit information on my Transunion credit report. 

Listed below are the three fraudulent accounts that must be removed from my TransUnion credit report. These accounts were also, removed from my XXXX  and XXXX  credit reports which I have attached. 

1. XXXX XXXX  Account # XXXX {$1800.00} XXXX XX/XX/XXXX 2. XXXX Account # XXXX - {$1900.00} - Open XX/XX/XXXX 3. XXXX Account # XXXX - {$16000.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post to my Transunion credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. 

Transunions failure to physically verify the originally signed consumer contract of the three above accounts, has hurt my ability to obtain credit. 

Under the FCRA, if Transunion is unable to provide me a copy of verifiable proof, you must remove the accounts listed above ; as they were opened fraudulently in my name. I XXXX XXXX demand that the above accounts be removed from my Transunion credit report immediately ; as they were removed from my XXXX  and XXXX  credit reports. 

Transunion, must reflect and maintain an accurate and complete credit profile identical to XXXX  and XXXX  credit reports. 

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. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX BANK ACCT : XXXX XXXX : {$760.00} XXXX XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXXXXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXXXXXX XXXX ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly told TransUnion, XXXX, and Experian that there were fraudulent accounts on my credit report they have failed to remove, TransUnion will not remove the more than 100 inquiries off my report and I have repeatedly told XXXX  that they have the wrong birthday on my report which makes it hard for me to dispute.
Product: Money transfer, virtual currency, or money service

I believe it started on like, XXXX month after I used CashApp first time on XX/XX/year>. I began noticing a strange transrictions on my CashApp from XXXX. I checked in my monthly payment on settings on my phone, all of them were canceled before reoccurring bill date. I do spend my money on apps sometimes, but by not much. I should remember all of my spent history. 

I changed my password, my email, and still receiving them. It's difficult to change and verify in this app. I can get lose easily in the setting or my accounts information. 

Finally, I called them, but they put me on hold for XXXX min. They didn't exactly help me at all.
Product: Credit reporting or other personal consumer reports

World acceptance loan was sold after being charged off I verified dates but they continue to report each month in XXXX that it is XXXX to XXXX XX/XX/XXXX reported that it was charged off that is false information I contacted and verified with all the dates but they continue to report false information when they do not own this loan to have the right to report. 
World finance Charged off XXXX XXXX Default XX/XX/XXXX XXXX sold XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means XXXX did not give them authorization to report this on my behalf. FCRA XXXX3 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.
Product: Checking or savings account

USAA closed a brokerage account and mailed me a refund check. The check they sent to me was deposited in my bank account. The check was subsequently returned as 'Refer to Maker '.

XXXX  states the check was indeed returned.

USAA states the check was paid and will not do anything to help me recover these funds.

USAA mailed me a check for {$26.00} and the check was returned unpaid by USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  Account XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX, I submitted a claim with the irs I never received my third stimulus of {$7000.00}. Irs noted my account, informed me to make a police report and contact money network the issuer of the card to report it stolen and receive a reimbursement with a refund of fraudulent/theft funds! I contacted money network after having being Identified by questions, I submitted a claim ( although it's theft ) they still wanted me to submit a claim. After weeks of waiting, XXXX  XXXX XXXX replied with an incomprehensible letter, he placed the Wrong date and other information, and denied my claim although I provided a statement of facts and a police report number as they requested. Money network then sent another card to the wrong address with my balance of {$2000.00} or so, after I informed then of the previous error, they still sent my funds. I had to them make another claim and police report on XX/XX/XXXX, and XXXX XXXX XXXX' which seems to be the only dispute representative who is discriminatory and fraudulent send another carbon copy of the same letter he sent for the previous claim denying it. Now my family and I are victims of theft and money network is not doing due diligence to protect their clients please help and investigate this company I'd like my {$7000.00} that the irs stated I was a victim of due to receive back due to theft please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Equifax credit report Ive called many times and no resolve!!!!