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

Earlier today my PayPal account was closed with the reason being in violation of " PayPal Acceptable Use Policy '', now I know for a fact that my PayPal account has not been in violation of PayPal 's Acceptable Use Policy as all I have been selling on my PayPal account was services related to marketing. Now PayPal 's limitation was unexpected to say the least, my PayPal account holds a balance of over {$220.00} CAD which are inaccessible for withdrawal. PayPal has caused me great financial loss by limiting my account incorrectly and I request that PayPal lifts this limitation and lets me withdraw my funds out of my account. 

I have personally been a long time user of PayPal and have not had any issues in the past years, for this to suddenly happen without any sort of reason given. I have attached PayPal 's user agreement as a PDF, I can confirm I have not violated PayPal 's user agreement in any sort of manner either. I XXXX XXXX have been using PayPal 's services fairly having had 0 disputes in the past, with fully satisfied customers. PayPal 's limitation on my account has caused me great financial loss from future clients being unable to use PayPal. 

I have attached additional proof showing that my business dealings using PayPal have all been regarding marketing my clients ' 'XXXX  server ' ( Proof attached shows my latest transaction on PayPal ). XXXX is a social media platform where users can create servers for people to meet up and communicate as a community, I personally have been selling marketing services to 'XXXX  server owners ' ( Clients ) guaranteeing an increase in their XXXX  server member count. I have gone through PayPal 's Acceptable Use Policy and have found that my service is infact compliant with PayPal 's policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late on XXXX 2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and there is some incomplete and non accurate information reporting to my report! According to he FCRA when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! These accounts ( XXXX ), ( XXXX ), ( XXXX  XXXX ), ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), Are incomplete and REPORTING inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX has charged me {$3000.00} in rent months after I moved out due to poor management. I lived there from XX/XX/XXXX to XX/XX/XXXX, I signed a 60 day notice that I would not be renewing the lease. They continued to charge me rent after the lease ended and would not answer phone calls, emails, or the office door. They would not reply for 6 months, and still the issue was only addressed with an automated " thank you for contacting us '' email. 7 months later I finally got in contact with someone who said " not to worry about it anymore '' and that it was an issue caused by transitioning through management companies. In XXXX of XXXX, I received an email that they had filed a motion for non-suit. I checked my credit score and discovered the outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XX/XX/2023 EXPERIAN XXXX XXXX ASSISTANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute and Request for Deletion of Inaccurate Collection Account Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report related to an open collection account. The details of the account are as follows : - **Creditor 's Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX Number : ** XXXX - XXXX Status : ** Open XX/XX/2023 XX/XX/2023 I have thoroughly reviewed my credit report and assert that this collection account is inaccurately reported as open. It should be noted. that this account has been resolved and closed. Therefore, I am formally requesting the deletion of this inaccurate information from my credit report. I kindly request a prompt investigation into this matter and the removal of the inaccurately reported open status of the collection account. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe this discrepancy is damaging to my credit profile and should be rectified. Enclosed, please find supporting documentation [ if available, such as a letter from the collection agency stating that the account is closed. and resolved ]. I trust that this documentation will assist in your investigation. Please provide me with written confirmation of the results of your investigation and the actions taken to correct or remove this inaccurate information from my credit report. Thank you for your prompt attention to this matter. I look forward to a quick resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my Equifax report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my Equifax credit report, as I believe the information is inaccurate and can not be verified. However, Equifax has left these accounts on my report without providing proper verification : Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX  Account Number : N/A Reason for Dispute : NOT MINE FTC Report : I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is XXXX. 

Attempts to Resolve : I submitted a formal dispute to Equifax on XXXX XXXX requesting verification of the accounts listed above. Despite my efforts, Equifax has failed to verify or remove these unverified accounts within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX account # XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions this is stopping me from getting an apartment, job an continuing my life
Product: Credit reporting, credit repair services, or other personal consumer reports

Expieran failed to aid in the validation of a debt. They took improper steps during the dispute process and allowed re-aging and re-pollution of fraudulent debt over ten times. This company violated my consumer rights under 15usc 1692 et seq ( et seq is a XXXX expression for in its entirety. ) and 15 usc 1681 et seq. This company violated my privacy over ten times. This company has caused a huge financial burden and defamation on my consumer character and profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, Experian then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX XXXX i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I was recently made aware of an error after reviewing my consumer report, NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. Code 6802 ( b ) ( B ). 
I the consumer XXXX XXXX was not given the opportunity to OPT out of my personal non public information being to disclosed to third parties. 

15 USC 6809 ( 4 ) defines nonpublic personal information as The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 

my payment history with NAVY FEDERAL CREDIT UNION is a transaction which makes this a clear violation of the law. 

Please update my payment history on XX/XX/XXXX from late to current on the consumer loan opened in XXXX of XXXX
Product: Mortgage

M & T Bank is adding so many charges to my account, and saying I am behind in escrow, which I confirmed today, XX/XX/2019, with my insurance company I am not behind. I have spoke with the bank about giving me an explanation of charges and they can't seem to. Nor will they do a new escrow analysis to show that I am not behind in escrow. They have done nothing to help or prove anything. XXXX XXXX sold out to them back in XX/XX/2019, and it was the worst decision they ever made.
Product: Credit card or prepaid card

On XX/XX/XXXX @ XXXX there were 2 charges to my account totaling {$1400.00}. I was made aware of these charges when I received a text asking if I had made a purchase at a store I had never heard of. I replied NO at XXXX. Just prior to receiving the text from Capital One I had used my card at the XXXX XXXX kiosk at XXXX airport to do self check in. We walked away from the kiosk and left the card in the kiosk. We got the text about the charges and immediately went back to the kiosk and the card was gone. We contacted the XXXX & airport representatives and we all looked for the card but there was no sign of it. Then over the airport intercom I heard my name being announced and asking me to go to the Information Desk. On going there I found out that somebody had handed in my card. I then texted my response to Capital One that I did not make those purchases. I did not report the fraud charges in the airport because I do not speak any XXXX and I was afraid I would get delayed and miss my flight. I received 3 letters from Capital One, the first ( dated XX/XX/2022 ) said that a fraud investigation had been opened. The second ( dated XX/XX/2022 ) said they were happy to tell me that the fraud investigation had been resolved and implied that the charges would not be billed to my card. The third letter ( dated XX/XX/2022 ) indicating that insufficient evidence of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  many times to complain and to remove 3 inquires that i did not authorise and still have not done anything or removed them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for failing to remove multiple inaccurate items from my credit report despite multiple disputes and requests for correction. XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to ensure the maximum possible accuracy of the information reported and refusing to correct or delete unverifiable or inaccurate information. Furthermore, as noted in recent legal actions, XXXX is currently being sued for non-compliance with consumer protection laws, which underscores their systemic negligence in handling disputes. 

Below are the details of the disputed accounts and inquiry : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide sufficient evidence to verify the accuracy of the above-listed accounts and inquiry. Under the FCRA, they are obligated to either verify the disputed items within 30 days or remove them if verification can not be provided. Their failure to comply with these requirements has caused me unnecessary financial and emotional distress. 

I kindly request the CFPB to investigate this matter and hold XXXX accountable for their non-compliance with federal regulations. Additionally, I request that XXXX be directed to remove the inaccurate accounts and inquiry from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit card

My wife and I continue to receive regular mailings of pre-screened personal loan options from Discover. These come with checks that are ready to use. We have swapped all of our info to paperless, have submitted various requests at sites such as optoutprescreen and tried contacting discover directly. 

Again today I tried contacting discover and spent over XXXX minutes chatting with XXXX to find no one was able to advise or assist. I attempted to send a secure email from within my account and there are only options to contact for name changes. I tried chatting and was bounced around from rep to rep unable to be helped. It is the year 2024, I just want to stop receiving mail from them for offers that I no longer want. 

I consider mailings of this type to be a risk to our identity, privacy, and financial security and would like them to immediately cease.
Product: Checking or savings account

XX/XX/2024 at XXXX XXXX  My phone rang and it was my bank I answered after the called twice. They said my card was flagged as someone was trying to use it in Georgia. I stated I am not in Georgia please put a freeze on my accounts. The woman sounded VERY believable and said she was freezing my accounts. She stated she was sending me authentication codes to freeze the account and she needed me to give those back to her, I did as they came from the same thread my bank always texts me from. 
About an hour later I get an email from my bank saying the wire transfer was successful. I called my bank. No one from the bank had called me that morning I had been scammed. They took {$10000.00} from me and wired it to a XXXX XXXX  with the account name XXXX XXXX. 
The bank said they were doing a wire recall of the money ( Ive received no information or confirmation about that ) and that hopefully they could get my money back but if not it wasnt their problem. 
My XXXX is XXXX. That money was my XXXX XXXX XXXX  and it is wiped clean. I have no idea what my bank is doing to help or if Ive even been calling the bank or if the scammers are having my calls forwarded directly to them. I feel so alone and XXXX. Please help me. I dont understand how this wire went through I do t understand why my bank isnt helping me.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX  XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my credit with Equifax and made it through their system on XXXX. Unfortunately, the PDF that displays your PIN to unfreeze the account never loaded properly, therefore I have no way to lift the credit freeze in the future for Equifax. I then tried calling Equifax on multiple occasions where most of the time I could not connect to them and the time that I did I waited on hold for approximately an hour. 

I understand that their systems are jammed with people calling and using their website but I still need my PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Checking or savings account

My paycheck was supposed to be deposited into my account Wednesday. It is now Friday and they have not given me my money. They also have run my account into a negative balance and I have fees with other companies now to late fees. We can't buy groceries even and a snow storm is happening. I contacted them by phone after waiting an hour. They lied about the problem and when it would be fixed saying XXXX. They are not communicating with customers, holding our paychecks, and not allowing us to pay our bills. 

My check should have been deposited on wed XX/XX/XXXX a total of over {$800.00} I contacted them on Thursday morning by phone XX/XX/XXXX online on XX/XX/XXXX No customer service given or answers, no money.
Product: Mortgage

Applied for Deed in Lieu of foreclosure with Wells Fargo.. Wellsfargo initially responded to claim : XXXX, stating in process of foreclosure.. The foreclosure process was subsequently stopped, and I have provided all documentation requested for the Deed in Lieu. However, I have not received any response from Wells Fargo or its agents ( title company ). The documentation was received and information used to update County files regarding property. Yet, I still have not received any further communication regarding property and deed in lieu acceptance.