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

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Debt collection

I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023 on XX/XX/2023 i lost my wallet thats its showing hard Inquiry
Product: Debt collection

I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. 

I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. 

My credit history and rating at the XXXX bureaus is flawless and good. 

Please get these people to cease and desist calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi after going over credit report and disputing debt for validation Transunion refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements
Product: Credit card

In fall of 2021 I paid off the balance of the account, attempted to close the account and they told me they would pause it. I only agreed if they guaranteed there would be no further charges made. 

In the ensuing months, the company decided that they would accept a charge from XXXX despite the fact that I told them I did not want any charges authorized. The account was frozen with no charges to be made. 

I complained about the charge, I told them I didn't want them to pay XXXX, and they reversed that charge. At that time I told them multiple times I wanted the account closed as they violated their promise and charged me without my consent. 

They continue asking for late fees on a charge I never authorized. I never wanted them to charge that amount, have called multiple times to tell them I will not be paying since they broke their verbal contract with me and that I wanted the account closed. They are continuing to send collection emails despite the fact that they are the ones who broke an agreement with their customer.
Product: Checking or savings account

My checking and saving accounts were officially closed by your bank in XX/XX/2024 without any notification, and when I called, they said that the remaining balances would be refunded within 40 days. 

Unfortunately, it has now been over XXXX months, and I have not yet received these funds. I have repeatedly contacted their customer service for assistance. During these interactions, I have received conflicting information ; XXXX representative mentioned that I should expect the funds within 60 days, while another suggested a XXXX day waiting period and initiated a request with the security team. 

As of today, I have not received any definitive confirmation or update on when I can expect my money to be returned. This situation is quite distressing and is causing significant inconvenience.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app block inc due to inadequate customer service and unfair practice which violate the consumer financial protection act cfpa. Specifically cash app failed to take time and effective to prevent or address fraud on there platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution procedures was unfair and deceptive as they didn't comply with the errors resolution requirements under the electronic fund transfer act efta and regulations e. These actions has called inconvenience and financial lost and i seek appropriate redress for the violation.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit extension with XXXX XXXX XXXX XXXX, ad was informed that they were denying the request and that decision was based upon information obtained in a report from the consumer reporting agency XXXX XXXX XXXX XXXX. The report indicated that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving accounts is too high. This information is in error. Equifax has connect my individual credit profile with the Trust : XXXX XXXX, which I am the trustee. See attached documents. Without Prejudice
Product: Debt collection

CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt XXXX XXXX XXXX XXXX Account Ending in XXXX ) To Whom It May Concern, I am writing to dispute a debt reported by XXXX XXXX XXXX XXXX which I am not aware of and do not believe is valid. The details of the debt are as follows : Creditor Name : XXXX XXXX XXXX Account Number : [ Insert Account Number Ending in XXXX ] Report Date : XX/XX/year> Debt Amount : {$3400.00} I have no knowledge of this debt and have requested that XXXX XXXX XXXX provide a wet signature verifying that I have done business with them and authorized this account. To date, I have not received any such documentation. 

In light of a recent data breach, I have taken steps to freeze my credit to prevent any unauthorized activity. I formally request that all documents relating to this debt, including the original agreement and any supporting evidence, be sent to me for review. 

I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX complies with my requests for verification. If they are unable to provide the requested documentation, I ask that the debt be removed from my credit report and all collections efforts cease. 

Please treat this as a formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and ensure all communication regarding this debt is halted while the matter is investigated. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive attached document describing what happened
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent information on my consumer report with ALL three credit reporting agencies and the only ones who are performing their fiduciary duties are XXXX. I have no problem with XXXX at this point. On the other hand, XXXX XXXX, and Experian Information Services , Inc. aka Experian PLC, have continued to furnish this inaccurate and fraudulent information on my consumer report causing me great harm. I have stated and sent written correspondence claiming and proving I have been a victim of XXXX  XXXX  and identity theft and based on me providing proof in the form of a police report, FTC report and a victim determination letter, they are supposed to remove the erroneous information after four ( 4 ) business days per FCRA Section 605 ( B ) and 605 ( C ). They have not done so. Most of the accounts in delinquency have charged-off the account which by IRS publication is determined income and income can not be placed on a consumer credit report. Not only have they violated the FCRA regulations but also 12 CFR Part 1022, 12 CFR Part 1016, 16 CFR Part 314 and the Privacy act of 1974. There have been several security breaches where consumer information has been stolen from their safekeeping in trust which violates Trust law as well. These companies are also committing securities fraud by selling consumer notes on secondary and foreign markets/exchanges. Per XXXX XXXX SEC XXXX filing between them and their indenture trustee, XXXX XXXX XXXX XXXX XXXX they clearly state they will not sell our securities on any markets. I am calling the XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX tomorrow to get XXXX XXXX XXXX XXXX XXXX number and will make a claim against it if they do not settle with me immediately. Experian is in violation of The Foreign Corrupt Practices Act ( FCPA ) for international practices involving fraud or corruption impacting U.S. consumers due to their XXXX security breach. I am not standing by while these companies commit all of these violations anymore. I have attached my JS 44 cover sheet and am willing to take Experian to federal court for their crimes. I will call XXXX XXXX and XXXX XXXX ( XXXX ) and report Experian for their fraud. I will file form 3949a to the IRS along with any 1099s that I discover have been filed in my name by either of these companies and have them both audited. I am calling the I am also prepared to involve XXXX XXXX XXXX and their trustee, XXXX XXXX XXXX XXXX, for securities fraud. I will purchase a financial forensic audit based on GAAP which will show the chain of custody for the securities being traded on secondary and foreign markets if my demands aren't met expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2800.00} ; US SM BUS ADMIN ODA Inquired on XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXXXXXX XXXX The fair resolution is to delete this immediately
Product: Credit card

Capital One will not stop sending XXXX credit card offers to my address. They are addressed to the former owner of my house. I am a current Capital One customer. They have been sending them since XXXX ( when I bought the house ). I have returned about XXXX of them to sender stating the person is no longer at this address. I have returned to sender with the addressee 's forwarding address in XXXX. I have called them twice in XXXX asking them to stop, and they verified that they will stop sending them. I spoke with a XXXX named XXXX or XXXX. I have put the name and address in the opt-out prescreen twice ( I think the first time was in XXXX or XXXX ) and it did not stop the offers. I have contacted them XXXX times via XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they responded and said the offers will stop. They did not stop. In XXXX, I sent about XXXX of the offers with a written request to stop sending them via certified mail to their XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX address. I have also emailed XXXX on XX/XX/XXXX. I have not received a response via email. I still continue to receive these offers. The most recent one was received on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX collection account with XXXX XXXX, Equifax, and XXXX. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.
Product: Money transfer, virtual currency, or money service

I believed that it was mistake by Paypal, My transaction in my Paypal account XXXX last XX/XX/2022 was held by Paypal. After 6 months or 180 days more Paypal was taken my money in my Paypal account. It is unfair for my side. Paypal, please return it to me. I need that amount for my emergency purposes.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to Experian asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
SOXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Product: Checking or savings account

I opened a Savings Account with XXXXXXXX XXXX  over 2 weeks ago. I deposited {$180000.00} into Savings Account last week. I made 2 transactions, first one to my XXXX XXXX XXXXXXXX checking account of {$1000.00}, and the second was yesterday to XXXX XXXX XXXX XXXX for Earnest money on a new home. I tried to access my account this afternoon and was notified my account is currently XXXX. I called customer service and was told I had to wait 14-20 days for the fraud department to review my account. A manager was not available to speak and no one was able to help me at all.

I need access to the money in my account in the next few days. I am suppose to close on my new home on XX/XX/year>. Will you please help me recover my account in order to pay for the down payment of my new home by the end of this week.
Product: Credit card or prepaid card

I have been trying to close a Best Buy credit card provided by Citigroup for almost three years without success. I have had a XXXX balance for almost three years and I am still receiving balance statements and the acccount continues to remain active. I have received FIVE balance statements in just this XXXX alone. I have contacted Citi DOZENS of times begging them to provide written proof my account is closed, as well as requesting to stop receiving balance statements but I receive more each month. This has been ongoing for almost three years. They will not stop sending me balance statements for a closed account. 


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

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX