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

Dear PayPal Support Team, I am writing this letter to appeal the permanent limitation of my PayPal account with the email address XXXX. I strongly believe that the limitation placed on my account was a mistake, and I have not violated any PayPal policies or terms of service. 

I was shocked to receive an email from PayPal stating that my account had been permanently limited due to violations of PayPal policies. However, I have always complied with PayPal 's terms and have not engaged in any activities that could violate PayPal policies. 

I respectfully request that PayPal re-investigate my account to rectify this mistake and restore my account to full functionality. I am confident that upon further review, PayPal will find that there has been no violation of any policies by me. 

As a regular PayPal user, I have always trusted and appreciated the convenience of the platform, and I hope that this issue can be resolved quickly and amicably. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Credit Cards from XXXXXXXX XXXX with a balance of {$1400.00}, XXXX Loans from XXXX XXXX with a balance of {$1700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/year> XXXX close on my home with this company, I was approved for an XXXX XXXX  I close on an XXXX XXXXXXXX. 4 months after my closing XXXX wrote a letter to XXXX  requesting that they cancel my case. I was never notified of the cancelation. After this transaction my account was sold to XXXX XXXX XXXX I sent a letter from XXXX saying that my account was sold and i needed to make all future payment to XXXX. after XXXX  years plus a lost my job and was able to pay my mortgage. I reached out to XXXX to request for assistance I was told that I couldn't get an Assistance from them. I was also told that my account was transferred to them as a XXXX  XXXX  and not an XXXX XXXX that I had originally. I contacted XXXX XXXX from XXXX she told me that XXXX of my employers was unable to verify my employment so XXXX  could not ensure my case, therefore she requested for cancelation. I still do not know how I ended in a XXXX XXXX I did not sign for. I now faced losing my home because i still do not have employment and I can not get help because of my loan type. I have XXXX children living with me and the thought of losing my home is very XXXX. i am XXXX  and left with no hope. I do not want to be XXXX  with XXXX XXXX I really need help in resolving this matter as soon as possible. I have not paid my mortgage since XXXX of XXXX i have contacted XXXX to get a clear understanding of how and why my loan type was change but i am unsuccessful to get an answer.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account withTRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting

I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref https : //www.digitaltrends.com/computing/second-wells-fargo-computer-glitch-resulted-in-foreclosure-of-hundreds-more-homes/ ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX place, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( https : XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Synerprise consulting XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.
Product: Debt collection

to whom it May Concern this letter is being sent to you via the Cfpb website in response to a noticed that you sent to me on XX/XX/2019 Be advised this is not a refusal to pay, but a noticed sent in pursuant to the fair Debt collection practices act 15 uc 1692g sec 809 ( 8 )  stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address But a request for Validation made pursuant to the above- name title section 1 respectfully request your office to provide me with competent evidence that I have legal obligation to pay you. I will need for you to provide me a copy of what the patient was seen for what test was performed suck as lab work x-rays etc.. which Doctor saw the patient. at the time I will also inform you that if your office have have reported invalidated information to any of the three reporting agencies this action might constite fraud under both federal and states. due to this fact, if any marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the FCRA violation of the FDCPA if your office are able to provide the proper documentation as requested following declaration I will require at least 30 days to investigate this information during this time. collection activity must cease and desist I will be awaiting your response. thank you
Product: Credit reporting or other personal consumer reports

I requested verification from the courts on a court case listed on my credit file. I provided proof from the courts that they dont provide any court records to credit companies. I have not received any information from them yet.
Product: Money transfer, virtual currency, or money service

I noticed that my cellular device lost service. I notified my phone company and they fixed the issue on the XXXX of XXXX. On the XXXX of XXXX I experienced the same issue. I contacted the phone company the same way I did on the XXXX. The phone company notified me that I should change sim cards to ensure security. The following day XXXX XXXX ) I logged into my bank account and saw XXXX XXXX dollars had been drawn from my account via a XXXX transaction. I notified my bank and filed a dispute. I also filed a police report on the XXXX. I contacted my bank numerous times throughout this process and was given " the run around ''. The bank failed to notify me on any sort of update throughout this process. On XX/XX/XXXX I received a letter in the mail stating the " transaction was valid ''. I appealed the decision on the XXXX and have not heard an update. I have tried to contact the dispute department and request the documentation they used to determine that the " transaction was valid ''. I have also requested that the supervisor contact me to provide documentation " proving these transactions were valid. I have not received this information and no one has reached out to me. I am now seeking professional help to get this resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/15 to ask why my reverse mortgage balance of {$97000.00}, on a house appraised for {$170000.00}, has a XXXX from XXXX  XXXX XXXX and HUD for {$250000.00} each? 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

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, 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 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. 1681s-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.
Product: Credit card or prepaid card

Yesterday XX/XX/XXXX I called Capital One to inform them of hardship due to covid19 and they said they would make my monthly payment XXXX  and extend my payment date. Instead they suspended my card and did not extend my payment date. I called the same day around XXXX and talked to a supervisor who refused help me until I threatened to make a formal complaint. She then placed me on a 5-minute hold and returned to the call and said she apologizes and that she found out that the previous representative did not put in the hardship and that she was making my monthly payment to XXXX and extending my payment date. She told me that my car would become active and that it should be active almost immediately. An hour later I check my online account and my car was still not active and my payment wands still not set to XXXX. I decided to wait until the next day to check it. On the XXXX of XXXX the card was still not active and my payment amount still was not set to XXXX for the month nor any extension applied. I called in and the rep refused to help me as I told her that I was recording the line per MI 750.539c wiretapping law. She said she could not continue on a recorded line and so I asked her to suspend her recorded line. She stated that she could not and after checking with her supervisor hung up on me. I told her prior to that that I would drive to Indiana ( 13 miles south ) and record her without her consent as Indiana is not a two party consent state.
Product: Credit reporting 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 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX  XXXX Bankruptcy. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX | XX/XX/1996 To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccuracy on the account, XXXX Account number XXXX If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my Transunion credit report. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

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

I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/year>, XX/XX/year> and XX/XX/year> ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate your understanding and prompt action
Product: Credit reporting or other personal consumer reports

I have called and sent letters to XXXX and Experian about the account XXXX XXXX and I have not gotten any resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Since XX/XX/XXXX we have requested Select Portfolio Servicing , Inc. ( SPS ) to refund money owed to me ( XXXX XXXX - Trustee to the XXXX Family Trust ) in the amount of {$1900.00}. After SPS took no action despite requesting the return of my money and after providing supporting documentation on many occasions, I filed a complaint with the CFPB in early XX/XX/XXXX ( See Complaint Number XXXX ). As a result of this complaint, on XX/XX/XXXX, SPS agreed to refund my money and the CFPB complaint was closed. However, to date, SPS failed to return my money for which they represented in writing they would do ( where the check should have been issued in the appropriate name, XXXX XXXX, as property owner to the home that collateralized the subject SPS loan that I paid off in XX/XX/XXXX ). It is now XX/XX/XXXX, almost 2 months since my complaint with CFPB was closed and about 9 months that SPS has wrongly withheld my money. 

At this point, it appears the only explanation for not processing my refund is that SPS is intentionally and fraudulently keeping my money and/or they have material weaknesses in their internal controls, which should be brought to the attention of the CFPB, U.S. Department of Justice, and SPS 's independent financial statement auditors. 

As such, I'm demanding that SPS return my money to me immediately. 

Please advise on when I will receive a check in the amount owed of {$1900.00}. 

Sincerely, XXXX XXXX XXXX