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

Hello! 

My name is XXXX XXXX XXXX I am writing to file a complaint against paypal for dragging their feet to help me get my money back from a scammer. I have not heard from them. I have already filed a police report against the seller. I am waiting to return the fake items back to her for a full refund. However paypal has not disclosed her address for me to return for a refund. I paid almost {$14000.00} for two pieces of jewelries which turned out to be fake.

I purchased a pair of authentic XXXX XXXX  XXXX XXXX turquoise earrings for {$5700.00} and a XXXX XXXXXXXX XXXX XXXXXXXX turquoise bracelet for {$7900.00} from her on XX/XX/2023. 

The set were advertised as authentic and purchased from XXXX XXXX. The earrings bear serial number XXXX, bracelet bears number XXXX. Initially, i found both items on XXXX but she agreed to sell them to me off XXXX -- via Paypal payment. 

I received both items on XX/XX/XXXX. On XX/XX/XXXX, I paid for a serial look up service to confirm the serial numbers do belong to these two particular items. The lookup service result came out differently. Both of the serial numbers belong to different piece. One belongs to a necklace, the other belongs to a bracelet. The service also includes the dates the pieces arrive at the boutique as well as the dates they were sold. The names of the boutiques were also included in the report. I found the report reliable.

I reached out to the seller requesting a return for a refund. Seller refused. She stated that I received exactly what she advertised, XXXX XXXX XXXX XXXX  jewelries with the same serial numbers as in her listings. However I would like to add, if the serial numbers dont belong to the pieces, they are not original creations of the brand therefore they are fake and not as described. 

On the same day, I went to XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The sale associate confirmed the two serial numbers belong to two different creations of the brand.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information may be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXXXXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/2021 - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX California, 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

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXXXX/XX/XXXX XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Product: Checking or savings account

On Thursday, XX/XX/2021, I made a dispute of XXXX they made a mistake that chime try to say that they gave me my XXXX back they found out it was an error they had emailed me and they said I won the case. in order them to give me my money back they said they gave to me it back XX/XX/XXXX which is not true it would have been in the bank statement I would had had more than XXXX or it would have taken out of my account it would have stated that on my bank statement and app. Chime try to give me a provisional credit of XXXX when my account was XXXX when they put it XXXX. I ask them why is XXXX they said that they gave me a provisional credit of XXXX and my account will be back to XXXX back. and that never happen they gave me an excuse. I explain to them that in XXXX world remit gave me my refund and they took it back again the keep giving it to me and keep taking it back. now they said that I was able to lose my money because I made a transfer XXXX and gave the transfer to friends which I told them it was not me I was a scam that when I close off my card. The dispute department did that to me. XXXX gave them arn number for them to trace the money where they can trace my money that worldremit put back to my account they refuse to do it. The dispute department instead they took down the information and I dispute and won the case again and still refuse to give me back my money. Chime the dispute department refuse to check my balance to see what I was talking about.
Product: Credit reporting or other personal consumer reports

I have tried for months to get this information removed and disputed with proof and this company isnt working on my file, and hasnt been for months regardless of the police report and proof of data breach from their company as well. I have disputed these accounts and they have still not blocked them. They are refusing to block them regardless of the fraud Ive told them I had on my report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX
Product: Credit card or prepaid card

In XXXX XXXX  I applied for my 1st Amex Platinum card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX XXXX reward points in a few weeks. 
Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called amex a few times to check the status of my reward points. They all told me i would get it in a few weeks. 
I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! 
It was my 1st platinum card, I only had 1 amex credit card before and i never miss payments, my credit score is great. 

After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in written- in the chat. 
It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. 

Out of all those credit card, I chose amex platinum, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another amex credit card. 

I need my XXXX  reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Product: Debt collection

I have my call log list as proof which unfortunately only dates back to XXXX of 2020 but for the last year i have been getting at least 2 or 3 calls from this number EVERY SINGLE DAY. They leave me repeated voice mails and non stop call during whatever hours they want. I have tried speaking with someone about not contacting me anymore but they insist i start paying money to them for medical bills from 5 or so years ago while I was going through a lot of health issues i obviously could not afford to have. Like I said I have call logs as proof and I have tried blocking this number but my phone will still alert me every time they call. I am honestly so tried of it at this point, it is non stop and I have tried everything I can to make the calls stop. It is definitely starting to feel like harassment.
Product: Debt collection

I paid {$50.00} to XXXX XXXX  on XXXX. This amount was deducted from my checking account. I was then sent a letter on XXXX from debt collector USCB to try and collect the debt.
Product: Debt collection

XX/XX/XXXX I received a letter from the lender saying the account is paid and satisfied. XX/XX/XXXX on my credit report it says the exact same account, has a XXXX  amount paid towards the balance owed which is incorrect, I contacted the lender explain to them, customer service person told me the account was deleted from their system and I didn't owe them anything, they would not and could not do anything about it being on my credit report.
Product: Mortgage

Through my escrow accounts, Mr Cooper has taken very high sums ( XXXX USD per year ) for an insurance policy, that was totally overpriced and that I did n't need. In addition, they have ignored my numerous asks to create some transparency on this account and their logic for charging me. 

- they have taken about XXXX USD per year on my escrow for about XXXX year, and there is nothing I can do - they have ignored the fact that I had coverage independently. I sent them the policy number and submit it on their website, but they never answered to those emails, just send me generic service emails and continue stealing my money - separately, I asked them more than XXXX weeks ago for a reconciliation of my escrow account since inception, and they said they would send it but never did. They are ignoring my asks to have visibility on what happened They are basically crooks. And because I do not want to damage my credit score, there is nothing I can do. I need your help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these entries have been added fraudulently or without my authorization. As stipulated under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit file without delay.

Accounts and Inquiries to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had received a payment to my Venmo account for a piece of furniture I sold to someone. About a day after I received the payment, I received an e-mail saying my account was suspended but they wouldn't give me a reason why other than that I had broken the " Terms of Agreement ''. They also stated my Venmo account was on social media platforms of mine, but I have no social media with my Venmo attached to it. I had reached out to them to try to resolve the matter, and they initially asked for my ID. So I sent it in hoping this would fix the issue. Then they sent me an automated response exactly like I received initially saying that I was banned and that the decision was final. In frustration, I closed that account and tried to open a new one. The new account was seeming to work just fine. Then I received a payment from a friend for dinner and had realized my debit card was not yet connected to the account. Once I went to put it in, my account was immediately banned yet again, and my {$90.00} is stuck in the account. I think Venmo/PayPal is not providing proper assistance to help customers who have been wrongly suspended, and also not providing them with information as to their decision. This is a service many people use and depend on for various things, and for them to revoke privileges, especially when someone is using it for what it is intended to be used for is quite frustrating and honestly wrong for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and learned that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report. The following are fraudulent accounts being referenced : US DEPT ED {$9800.00} US DEPT ED {$9000.00} US DEPT ED {$6200.00} US DEPT ED {$4800.00} US DEPT ED {$4000.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found some items may be inaccurate and in fact breaking the law.

Under 15 U.S. Code 19681 e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 Code 19681 I ( 5 ) Treatment of inaccurate information or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall ( i ) promptly delete the item if information from the file of the consumer or modify the information as appropriate based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the items from my credit report. 

XXXX XXXX XXXX XXXX, SC Original creditor Says Last reported XX/XX/XXXX Last Payment Date was XX/XX/XXXX according to their records They are saying the account was Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) to the credit bureaus.
Product: Credit reporting or other personal consumer reports

MEDICAL COMMERCIAL AGENCY has reported a {$67.00} medical deb to my credit report. When I informed them of the Illinois law, they ignored more request. 
Medical debt that is under {$500.00} should not appear on credit reports. This information should not appear on credit reports if the medical care occurred in Illinois, or if the credit report was purchased or used in Illinois. 
XXXX and this collection agency is now in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation has been placed by mistake, and I would like to request a re-investigation of my case. 

To begin with, I would like to state that I have not violated any of PayPal 's policies. I have always used my PayPal account in accordance with the terms and conditions set by PayPal, and I have never engaged in any fraudulent activities or violated any of the company 's policies. Therefore, I do not understand why my account has been permanently limited. 

I am aware that PayPal has strict policies in place to protect its users, and I fully support these policies. However, in my case, I believe that the limitation placed on my account was unjustified and has caused me significant inconvenience. 

I would like to request that PayPal re-investigates my case and restores my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activities that warrant a permanent limitation on my account. 

I kindly request that you contact me at XXXX as soon as possible to provide me with an update on my case. I would appreciate any assistance you can provide to resolve this matter. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error I noticed on my TransUnion credit report. 

DATE OF ITEM DISPUTED : ( XX/XX/2019 ) NAME OF FURNISHER : XXXX XXXX XXXX DESCRIPTION OF DISPUTE : Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose., I am writing to inquire as to their alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX XXXX or any of their properties In an attempt to collect a disputed debt XXXX XXXX introduced false information into my credit report.
Product: Credit card or prepaid card

ref OCC case # XXXX and all proof documents taken in a one hour meeting on XX/XX/18 by Chase Bank branch in XXXX Illinois by Branch Manager MrXXXX XXXX XXXX at XXXX XXXX XXXX including US Mail offer from Chase and other documents
Product: Mortgage

On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Debt collection

The company in question is the SWC Group in XXXX, TX. I found out of their existence via my credit score dropping 40 points due to an unknown debt held by SWC that allegedly originated via XXXX telecommunications. This is false. I've never had an outstanding debt with XXXX. I closed the account out years ago and opened a new account with my wife. No mention of money owed when account was opened. Fast forward a few years and this delinquency pops up. No letters or phone calls. When I call SWC they hang up on me as they do not have a record of my existence. Very rude. After finding the ceo XXXX XXXX I decided to personally email him. He didn't not take to kind to that. This firm is a fraud. {$96.00} is a very small amount but I can imagine their practices with some of their less fortunate clients. They need to be investigated.