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

Hello! So Ive been using PayPal for my business to over 6 months now, verified my identity on my account and havent had a single complaint from my customers. I recently XXXX an email from PayPal stating that I violated their terms of service and that my account is being terminated, and I cant withdraw my funds for 6 months. When contacting them, they dont tell me what term I violated, and they just tell me to wait and see what happens. This is not okay!!!!! I have never violated any rule and Ive never received any email or message from PayPal notifying me about anything wrong with my account! They just decided to lock my account for nothing! Im quite sure a mistake has happened here but they are not willing to listen to me. I have over {XXXX} in my account and I thought that PayPal was safe thats why I was saving my money there ... I need my money in about 1 month because I have a XXXX operation scheduled. I really hope you guys can help me, youre my last hope. My PayPal is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and my social security number was potentially stolen. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Product: Debt collection

I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Product: Checking or savings account

My account was frozen and they held a large sum of money. In XXXX  in a later month ( XXXX XXXX XXXX XXXX? ). They finally gave it back a few months later. I know I was made some big mistakes that year, I had a bad reaction to a medication. I was in trouble with a reporting agency. But I didnt deserve for you to hold my money.
Product: Mortgage

I learnt today that Wells Fargo gave me a mortgage forbearance during COVID that I did not request
Product: Credit reporting or other personal consumer reports

I purchased a car I authorized the dealership to run my credit report. They ran my credit several times without my permission giving me 10 inquires on my credit report please remove because this is not helping me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting EXPERIAN has violated my rights. 
15 U.S.C XXXX section XXXX A. States I have the right to privacy. 
15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
On top of that, The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on my consumer file saying bankruptcy was verified. Notify me who the bankruptcy was verified by because I have supporting documents showing the court did not verify such thing and XXXX XXXX has deleted it from their database. IF A SOURCE COULD NOT BE PROVIDED ON WHERE YOU HAVE GOT A BANKRUPTCY FROM TO FURNISH ON MY CONSUMER FILE THEN THIS BANKRUPTCY NEEDS TO BE DELETED IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

I missed 2 months during my loan term with Mariner finance they threaten me with court so I made An arrangement to get caught up then was back paying on time ended up paying the loan off a whole year early they still charged me what would have been the whole term which I dont understand that I paid XXXX a month for a whole year an the pay off was XXXX? MAkes no sense now its on my credit report as potential negative thats a smack in the face when I paid this off a whole year early I need this off my report IMMEDIATELY I cant not even move into a decent apartment because this negative mark when its not negative it was NEVER IN COLLECTIONS!! Its showing XXXX negative an then closed I want this removed immediately this has been paid off since XXXX of last year
Product: Debt collection

I received a letter about alleged money owed. I contacted the original debtor, who I cosigned for. She paid all owed to her prior apartment complex and there was a small fee owed. It turns out this company was NOT ever hired by the property management company to collect a debt. Their collection agency is someone else!! This is a fraudulent attempt to collect a debt. i have written evidence.
Product: Credit reporting or other personal consumer reports

I am not disputing this at this time this is for my own internal documentation XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, I am writing to formally request detailed information regarding specific accounts listed as " charge-off '' on my credit report. While I am not disputing these accounts at this time, I would like to request the following details for each account : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-off The accounts in question are as follows : XXXX XXXX - Account Number : XXXX - Balance : {$3500.00} XXXX XXXX XXXX  XXXX Account Number : XXXX - Balance : {$570.00} I request this information to ensure the accuracy of my credit report. Please provide the requested details within 30 days from the date of this letter. If additional documentation or verification is needed, kindly notify me immediately. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
Product: Vehicle loan or lease

I have reached out to a company named XXXX XXXX, Account # XXXX. 
this account was supposed to be closed due to the fact that the Vehicle XXXX XXXXXXXX XXXX purchased later reposed and sold at an Auction. The company has continued to send mail asking for full payment, although it was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I fully dispute the collection letter Ratchford Law Group sent me dated XX/XX/year>, acting on behalf of XXXX XXXX. LAST YEAR, XXXX violated my written Do Not Call request. They then reacted to my complaints by stressfully spamming me with paper Debt Validation packets around XXXX times over the span of XXXX weeks. And I never even requested Debt Validation! These anti-consumer violations were recorded through the CFPB and the PA Attorney General 's office. THIS YEAR, I'm dealing with new identity theft, new legal hide and seek games, and multiple creditors acting in absolutely nonsensical, cartoonish ways. The whole reason I'm stuck with debt I can't quickly pay off is due to years of family criminal abuse that has gone unresolved and has continued to this day. It's absurd I'm getting this Ratchford collection letter right now, with THIS timing. You can not convince me this is purely a coincidence, and this isn't some sort of illegal bullying effort in tandem with other creditors, specifically XXXX / XXXX XXXX XXXXXXXX. I'm not going to pay you as a reward to violate me, when I can factually prove you've already committed violations. THE FACT I HAVE DEBT DOESN'T MEAN YOU CAN JUST DO WHATEVER YOU WANT TO ME! I am also sending this formal dispute through the CFPB with extensive attachments, which I just wasted most of Sunday XX/XX/year> assembling. I am going to re-iterate the same request I gave XXXX 16 months ago : I'm demanding that you stop contacting me about this account entirely. If you still have anything to say to me, I want our next conversation to be in front of a Judge with all the evidence laid out on the table!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 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

Chrysler capital was a leased vehicle, the car was turned in XXXX XXXX and all balances was paid off. On credit report it shows the account still open in good standing with a monthly payment.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting my XXXX XXXX  XXXX delinquent. It is not I had XXXX payments deferred.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EASTERNACCOS Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting MIDLAND CRED Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS ACCOUNT ADJUSTMENT BUR Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX, acct. # XXXX XXXX XXXX XXXX , acct. # XXXX XXXX  XXXX , acct. # XXXX XXXX  XXXX, acct. # XXXX XXXX  XXXX, acct. # XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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.
Product: Credit reporting

On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.
Product: Money transfer, virtual currency, or money service

PayPal is claiming that I owe them {$2300.00} for a transaction with someone named XXXX XXXX. They say that Mr. XXXX payed money to them which they deposited in my bank. Mr. XXXX wasn't satisfied with the transaction so they refunded his money and they now want the money that they deposited in my account back. 
The problem is that I didn't have a transaction with Mr. XXXX or anyone else and the money was not deposited in my account. On further investigation it turns out that they deposited it to a Visa debit card that isn't mine. I have suggested that they recover the money from the same debit card they deposited it to but they say they can't. 
It seems clear to me that the account was hacked and the debit card belongs to the scammer. Probably XXXX XXXX, if that is his real name. The deal was supposedly on XXXX XXXX and he had complained and got his refund by the XXXX. That's a little fast for a legitimate transaction. PayPal should be able to figure this out too, but I'm sure they feel that it will be easier to extort the money out of me than to get it back from the scammer.
Product: Mortgage

XXXX XXXX is our XXXX mtg. We had a XX/XX/year> loan initially with XXXX credit being around XXXX. XXXX XXXX interest. We have paid XXXX in bankruptcy XXXX regular ontime payments of XXXX for XXXX XXXX years while on bankruptcy. XXXX going to interest with approx XXXX going towards principle. XXXX XXXX says we still owe XXXX more. XXXX paid through bankruptcy plus approximately XXXX paid while on bankruptcy ( outside ) bankruptcy plus payment we've made even before bankruptcy seems predatory. Now saying we still owe XXXX more? Not adding up.
Product: Debt collection

I was not made aware of these fraudulent accounts until they showed up on my credit report.
Product: Debt collection

I have followed the advice of a Credit counselor and sent Gateway Financial certified with return receipts request for them to send me all the properly required documentation in accordance with the proper laws and Syntax of my request. The only response is that they do not have any records of the suspect account. 
After the appropriate 30 day time frame I sent them a day day notice to remove the report from my credit history and they have until now refused to stop reporting a debt for which they have no records. 
The date of my final request for them to delete this file was XX/XX/2021. 
The specific information is : Gateway Financial Solutions XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : 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 XXXXXXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Money transfer, virtual currency, or money service

I contacted my Wells Fargo bank to ask to get reimbursed since I was scammed out of {$1500.00} but they said since I willingly sent the money that I wont be getting reimbursed. I was scammed from a fake XXXX XXXX breeder off of XXXX and sent money on XX/XX/XXXX for {$750.00} and again XX/XX/XXXX for {$750.00}. I was then blocked and realized I was scammed. I had used my debit card to make the transaction. I let my bank know but they told me unfortunately my money will not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EQUIFAX CREDIT REPORT # XXXX SHOWS ACCOUNT # XXXX AND ACCOUNT # XXXX WITH NO CLOSED DATE AND BALANCES ARE NOT RIGHT. I HAVE SENT IN MANY DISPUTE LETTERS AND IN RETURN ALL I GET IS IT HAS BEEN VERIFIED. ALSO 2 ADDRESSES ARE REMOVED AND THEN THEY RE APPEAR
Product: Prepaid card

I received an American Express pre loaded {$100.00} gift card for my birthday ( XX/XX/year> ) and have been trying to use it but it does not work anywhere nor can I access the balance online. When I tried calling the number on the back of the card today, they told me that there was {$0.00} on the card because the money was sent to your states unclaimed property division. I have never even heard of such a thing with gift cards before so I called my states unclaimed property division and they told me that I was indeed right, you can not claim gift cards as unclaimed property because it is not linked to a persons name. When I tried calling back American Express multiple times they said there is nothing they can do for me the money is just gone and that to contact my states unclaimed property division. The card does not expire for another 4 years and there is nothing on the card that states anything about after a certain number of years the money will be sent to your states unclaimed property division. I feel as if American Express stole this money by not telling anyone that if you didnt use the card in a certain number of years than it would go to your states unclaimed property division. It even says right on the card funds do not expire. I tried contacting American Express multiple more times asking if I could speak with a supervisor and they just kept telling me there is nothing they can do for me. I asked if the card doesnt expire for 4 more years then why did the money go to unclaimed property and they just kept saying they dont know and they cant help me. I do not know what to do or who to turn to because no one at American Express seems to want to talk with me about it or even has answers as to why this happens or why they do not tell you. It is a shame that someone got me a gift and that I can not even use it.
Product: Credit reporting or other personal consumer reports

My disputes are still not being processed correctly with the correct paperwork per the FCRA. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Child Support XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX BANK was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.