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

Good day, I want to complain Paypal for permanently limiting my account last XX/XX/2022, I received an email from Paypal that I can no longer do business with them, that I violate Paypal 's Acceptable Use Policy. I tried to message Paypal and ask them what I did wrong with my Paypal account and they answer about the violation of Paypal 's Acceptable Use Policy. I ask them to explain to me thoroughly the problem of my account but they always answer that they can not fix my account if i already received an email that I'm permanently limited. 

Currently I'm using bank transfer to received money from my client across the globe and i'm having problem because of too much bank charge and it cuts my small income. I want my Paypal account to be restored because of its convenience to its users like me, but Paypal is too strict with their policy that most of its user account get limited. 

I hope you can help me with my problem. 


Thank you and Best regards, XXXX XXXX XXXX
Product: Debt collection

I received a collection alert on my credit profile I immediately reached out to the company explain no mine and requested all info they said would send immediately they bought it from a company to this day I have received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.
Product: Money transfer, virtual currency, or money service

Thru the Revolt bank app, I purchased {$80.00} worth of BCH but I only received {$57.00} worth of BCH. I contacted support thru chat in the app due to they do not have a customer care number. I explained to them what happened and they explained to me that there is a fee for the exchange. I understood the fee for the exchange which is usually  1 % to 5 %. I explained that I lost XXXX dollars in the exchange, which is 30 %, and how insane that is. I never heard back from them and I feel that I have had {$23.00} stolen from me. i've checked 4 exchange sites and i should of recieved XXXX BCH and i recieved XXXX BCH worth XXXX.
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 

Account Name : XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Debt collection

A company listed as Creditech, with a mailing address of XXXX, PA has reported a debt of {$690.00} on my credit report as of XX/XX/XXXX. I was unaware of the account until XXXX of XXXX When I was reviewing my credit report. Upon reviewing my credit report I sent a certified letter to Creditech requesting debt validation, not verification, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.The information requested is standard to prove the debt is owed by me and was specified in the letter. As I had not received any initial contact by Creditech I was exercising my rights to protect myself and requested that they stop collection practices and credit reporting until I received the information requested and had time to verify the validity of the debt. The letter was received and signed for but the request has been ignored. Additionally I filed a XXXX  complaint to try and get a response from the XXXX XXXX XXXX which was also ignored. At this point they are in a direct violation of my rights guaranteed under the FDCPA for 1 ) not sending any kind of correspondence to initiate a debt collections act, and 2 ) for failing to respond to my request for debt validation, additionally they have continued to update my credit report, reflecting a balance owed and negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed an unauthorized hard inquiry on my report from Syncb National Credit Cards/Airlines and I have contacted the number several times, each time they direct me to either XXXX XXXX or XXXX. This did not show up on XXXX.

I am running in circles trying to figure out how to get this removed. When I called Syncb they claimed that they don't have any information on me, and that they don't own the account and it's an known error with XXXX XXXX so I have no idea why this is on my report. When I call XXXX they tell me to contact the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from Equifax and XXXX  is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied XXXX loans and government assistance for XXXX loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached complaint - please remove the below statement from my credit report XXXX XXXX # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Dear, I am writing to formally file a complaint regarding the unprofessional and rude behavior of one of Frost-Arnett debt collection agents. On XX/XX/year>, at XXXX XXXX, I was contacted by an agent from this company, agents name I believe XXXX, and I found their conduct to be inappropriate and disrespectful. 

Specifically, the agent used offensive language and started screaming at me because I was asking for more details on the debt they are referring to. She was overly aggressive, made threats, spoke in a condescending manner. I understand that debt collection is a sensitive matter, but I believe that all communications should be handled respectfully and professionally. 

I request that you look into this matter and take appropriate action to address the agents behavior. I would also appreciate confirmation of the actions taken to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have previously requested multiple times to dispute the inaccurate addresses with your bureau. Despite these efforts, they persist on my credit report, which is concerning and unacceptable. 

I can confirm that I have never resided or conducted any financial activities at the addresses mentioned. It is crucial to rectify this misinformation promptly, as inaccuracies on my credit report can adversely impact my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into these inaccuracies and promptly remove the erroneous addresses from my credit report. Furthermore, I urge you to ensure that my credit file reflects only factual and verified information in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation once the necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter and cooperation in resolving this dispute.
Product: Credit reporting

I would respectfully like to file a complaint against XXXX XXXX XXXX I Never had an account with XXXX XXXX XXXX nor a credit card from such back
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute for 16 accounts US DEPARTMENT OF EDUCATION XXXX. The confirmation number for this dispute is XXXX. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation.
Product: Debt collection

I received a letter from XXXX, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to Equifax. I went through the Equifax process denying that this is my debt and Equifax basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with Equifax.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I have made a purchase through PayPal on the XXXX XXXX website. The merchant failed to ship my merchandise - shipping only a portion of the order ( {$120.00} worth ), and not shipping more expensive items ( {$280.00} worth ). The merchant created XXXX  shipping label ( XXXX ) yet the items were never sent to XXXX. When PayPal investigated the case, they agreed with the merchant that items shipped previously satisfied my claim. However, PayPal did not give me an opportunity to support my case and simply closed it with no further recourse, when merchant sent to PayPal two earlier shipment receipts. I clearly stated in my complaint to PayPal that my claim was : 1. The merchant defrauded me by not sending the expensive items and creating a fake XXXX label 2. The items that were shipped were of the substandard quality I believe PayPal misleads public by offering case resolution and protection services when in fact, it sides up with fraudulent merchants without giving customers a chance to recover money. I learned that the XXXX is a XXXX company and I have asked PayPal to stop supporting this fraudulent merchant, to which they refused. I believe by supporting fraudulent merchants, PayPal itself engages in fraudulent activities.
Product: Student loan

I took a private loan for about {$8000.00} private loan and some federal loans. My private loan doubled in interest. Reps were very hard to work with, no empathy at all. Borderline harassing and threatening calls.I have tried to lower payments and get a reasonable monthly payment to repay with no luck. My credit is now damaged and my wages are garnished. I can barely make a living.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Product: Mortgage

Our home was flooded in XX/XX/XXXX & we received checks to repair our home from XXXX with no problem, but we had to forward those checks to our mortgage company, which is Loancare in XXXX. They are refusing to forward our final check to us, in the amount of {$9500.00} ( which we sent to them in XX/XX/XXXX ) -the reason they are giving is because we allegedly owe the contractor we fired in XX/XX/XXXX, {$2500.00}. This is false, because the sub-contractor who actually finished the work for us was paid this remaining {$2500.00}. ( The sub-contractor was approved by Loancare ). The contractor we initially hired was XXXX XXXX of XXXX in XXXX TX, and he was not what he appeared to be, so under the advisement of both the XXXX and our Insurance Adjuster, we fired XXXX. Also, XXXX of the XXXX is in the process of investigating XXXX as they can find no trace of him having a plumber 's license, which was needed to do the necessary plumbing work in our home. We asked XXXX for proof of his license/insurance on several occasions, and he provided false numbers to us each time, and so we terminated his contract with us. We did keep Loancare apprised of everything, including sending them copies of all our correspondence with XXXX, but Loancare still refuses to release our money to us. Loancare is stating that in order to release our money, we need to get a signed statement from XXXX that we do not owe him the XXXX-which he refuses to do-so we are at a stalemate, and therefore can not complete the repairs on our home. We feel that Loancare is just using this as an excuse to hold on to our money, and have told them as much, and we do not get anywhere at all when speaking to a CSR. They will not respond to our repeated requests to release our money-they just say it is " in escrow '', and refuse to release it! We have had horrendous treatment from Loancare from the very beginning, and they have given us a very difficult time on each and every occasion we requested them to forward us a check from our insurance money. They also kept changing the percentage of " inspection completed '', so that they could hold on to our money longer! Loancare are very unhelpful and unprofessional, and we have seen a great many complaints from other people regarding similar issues with this company, and we feel they need to be investigated for these kinds of irregular practices.
Product: Payday loan, title loan, or personal loan

I received a flood insurance settlement check. The check was issued and posted to my account 3 weeks later than it was said to be. The check was put towards my line of credit and I have checks bouncing and being charged for a return fee, when the money in fact is in there. The bank is refusing me access to my own account funds and is telling me they need receipts to distribute out funds. ( for my line of credit ). I 've never had to do this before. I 've been a good customer of theirs for over 14 years and have been through several floods with them. My credit is being ruined, I ca n't pay my bills, or work on my house because I have to provide receipts for the items I purchase. But, I have to have money to be able to purchase anything. And I would be glad to provide receipts. Prior to receiving the check they agreed putting it towards my line of credit was a good idea. After the check was deposited without discussing it or giving any reason, they lowered my line of credit, giving me no access to funds available. Reversed checks they first covered and then returned them and charged me for them.
Product: Credit reporting or other personal consumer reports

I have a paid membership with this business, I tried to place a freeze on my device once I started to get notifications of someone running my credit. I called to have the inquiries disputed, the representative told me he disputed it and it would be off soon. That did not happen. Im paying for a service that Im not using.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.   XXXX   XXXX   HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!
Product: Credit reporting or other personal consumer reports

someone applied for a credit card in my name which I've never received never lived at the address it was sent to.
Product: Mortgage

Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.
Product: Debt collection

Equifax sent me confirmation # XXXX about my account with XXXX XXXX XXXX stating that the creditor is currently reporting a XXXX balance for the said account ( Account Number #  XXXX ). Upon researching the paperwork that Equifax sent to me the account number XXXX still shows a balance of XXXX. This is against the FCRA and against the Law and its disturbing to know that Equifax does not handle their paperwork correctly. If this is n't corrected like its suppose to be as stated by Equifax I will take measures to take them to court. This is unexceptionable and its ruining my credit.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX  credit card ending in XXXX that has been paid in full before they updated report, they post to my credit report. Equifax does not contact the creditor they use a data base that is wrong and 30 days behind