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

I hope this message finds you well. I am writing to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation is a result of a mistake and that my account has been wrongfully restricted. I assure you that I have always complied with PayPal 's policies and have not engaged in any activities that violate your terms of service. 

I am kindly requesting PayPal to re-investigate my case thoroughly and with utmost attention. I have been a loyal PayPal user and this account has been an essential tool for both personal and business transactions. The limitation has caused significant inconvenience and disruption to my financial activities, and I sincerely hope for a fair resolution. 

I understand the importance of maintaining a secure and trustworthy platform for all users, and I support PayPal 's efforts to combat fraud and unauthorized transactions. However, I am confident that there has been an error in this specific case, and I kindly ask that you grant me the opportunity to demonstrate my compliance with all PayPal policies. 

I kindly urge PayPal to reconsider the decision and to restore my account to its full functionality if your review finds no evidence of any policy violations. I assure you that I will continue to adhere to all the rules and regulations set forth by PayPal and conduct my activities in accordance with your policies. 

I greatly appreciate your time and attention to this matter and look forward to a positive resolution. If you require any additional information or clarification, please do not hesitate to contact me at the email address provided in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with XXXX XXXX XXXX XXXX and will be denied if I'm unable to have this information from Chex Systems. I was told there was account reported on Chex Systems with my name, address but the wrong social security number. This account was reported by XXXX  XXXX XXXX for suspected fraud. I have been unable to get in contact with XXXX  XXXX XXXX because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local XXXX XXXX XXXX with no response. I submitted a dispute with Chex Systems and I am waiting for a response.
Product: Credit reporting or other personal consumer reports

I called Experian in XXXX to request that several inquiries I did not recognize and they needed to be removed afterwards mail me an updated credit report. I never received the updated credit report in the mail and it looks like the inquiries are still on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a new account warning from XXXX, XXXX XXXX XXXX 
I logged in and noticed a new account that I did not sign up for, along with a new phone number that was not mine and a new address in South Carolina where I have never lived. 
Preferred Lease # XXXX XXXX XXXX ) I tried contacting the company, but they requested that I e-mail all my personal information to them. I am not willing to do so, given the sketchy nature of the transaction so far, so they will not provide me with any additional information. Clearly this is not my account and filed using identity theft. 
I put fraud alerts on all three credit bureaus and filed disputes. 
XXXX  deleted the account from my credit file XXXX  said the company confirmed the loan and did not delete XXXX  hasn't finished their filings.
Product: Debt collection

I would like to file a complaint with Selip & Stylianou , LLP for Using Unfair Debt collection practices. 15 U.S. Code 1692, Consumer was never properly given 5 day notice, nor a chance to communicate if a debt was disputed or paid. 2. Selip & Stylianou, has not proved or validated if they have ever had entered or have a contract with the consumer, there is no proof of original contract agreement, nor consumers signature, no proof of full account number.

Selip & Stylianou has performed Unfair Practices 15 USC 1692f Debt collectors may not harass or annoy debtors, may not threaten legal action. Selip & Stylianou has used false and deceptive, and or misleading representation or means in connection of debt. Selip & Stylianou , LLP has Disclosed my personal information with others to falsify a bad reputation of Consumer XXXX XXXX. Selip & Stylianou , LLP has used false representation of the character and or legal status. Selip & Stylianou has never entered into any agreement with XXXX XXXX. XXXX has proof of this, further more the entire 15 USC 1692 Of Unfair Debt collection practices has been performed by Selip & Stylianou/ And XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have committed tax fraud.
Product: Debt collection

My name is   XXXX   XXXX   and the debt I incurred with   XXXX   XXXX   was discharged through my Chapter  XXXX  bankruptcy  XX/XX/XXXX . My attorney 's office  XXXX   XXXX  contacted the billing Supervisor at   XXXX   XXXX   and she in turn told him the account was flagged and no more phone calls would be made. Well the account was sold to Financial Corporation of America now they are sending me letters threatening to put this old discharged amount on my credit report. I called on  XX/XX/XXXX  and spoke to a  XXXX  gave her my attorney 's information and asked her do not call or send me anymore letters or try to put this on my credit report. Please contact Financial Corporation of America  XXXX  and ask then to STOP harassing me about a debt that has been legall y discharged. I have all emails as proof, I also have my petition paperwor k from my attorney and the discharge if needed.     Thank You,
Product: Credit reporting or other personal consumer reports

It has been some time since the credit reporting agency has been reporting this inaccurate information on my consumer report, and since it is illegal to report on transaction history and they knowingly and willfully violated my right to privacy. I am seeking monetary damages! and for this account to be update with no history transaction- so its to be updated to show paid as agreed. Or removed from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so displeased with the way my information was used by Portfolio Recovery Associates. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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. ''
Product: Debt collection

On or around XX/XX/2021 It came to my attention that my Penn Credit Corporation a debt collector that I had never heard of, had added negative Items to my consumer reports. I was a little confused because I had never communicated with Penn Credit Corporation nor had I had done business with them. This is an attack on my right to Privacy as Penn Credit Corporation has my ( Non Public ) personal Information that I did not give to them nor did I give them permission to have. In addition they have committed Identity theft as they have used my ( Non public ) personal Information that they are wrongfully in possession of to access and place negative items on my consumer reports without my consent. This has harmed my reputation ( Violation of the FDCPA ) as defined by Congress in the FCRA and I demand that Penn Credit Corporation fix this immediately. I do not want to have to to sue Penn Credit Corporation in federal court but I will If we can not get this resolved in a timely matter. Penn Credit Corporation may call me to facilitate resolution and for no other purpose.
Product: Checking or savings account

I made my XXXX check deposit from the US Treasury in the amount of XXXX. The deposit slip and teller said funds would be available in the morning. Once again they have extended the hold until XX/XX/XXXX. I realize they want everyone to go to direct deposit but I don't want to do that with this bank. I don't care for their business practices. This check is drawn on The US Treasury and also that amount is not enough for them to hold that long. They did the same thing last month. I dealt with one branch that told me they were going to put a hold on my check while the next teller over cashed a check for a fee for someone who wasn't even a customer.
Product: Credit card

On XX/XX/XXXX, a purchase was made totaling {$3100.00} using my Chase Freedom card at XXXX XXXX XXXX. On XX/XX/XXXX around XXXX, my products were delivered. These products were a power base and a mattress. Right around first usage of the power base, I began noticing a chemical/burning smell coming from the power base. When I lifted it up, I noticed that the motor was melting the plastic that was covering it. I immediately contacted the merchant within their required 48 hour time period, and notified them of this. Their response was that I had to contact the manufacturer to resolve this issue. Seeing their unwillingness to resolve my issue, I contacted the manufacturer, but they informed me what I already knew, the issue was with the merchant and should be resolved by them. I discarded all electrical components of the power base and contacted Chase on XX/XX/XXXX to initiate a dispute. The dispute was initiated, and I provided them all relevant images and information. On XX/XX/XXXX, Chase contacted me saying they needed more information. One agent informed me that he would rebuttal my case before he ended the call unexpectedly. When I connected to another agent, they said that they could not proceed with this case since I discarded the product, although I stated multiple times that only the electrical components were discarded due to the hazardous context of the situation. I believe this is unfair discrimination by two large corporations, and I would like to see this issue resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and was astonished to see that I am a victim of identity theft I noticed numerous fraudulent accounts reporting on my credit report, please remove these accounts as stated by law, I have also included a identity theft report with this complaint. 

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

XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX  of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2020 a membership fee of {$59.00} was added to my Capital One credit card. I have a credit line of {$300.00}. and feel I am being discriminated against as a senior and low income individual. 

When and why can they charge this fee? 

I feel distressed. 
Thank you for reviewing this issue. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked yall for help before to know avail. I am a XXXX XXXX man on SS. I went to MoneyLion and they had a credit builder program. I signed up. Its a savings program where you pay yourself into a holding account. At the end you get XXXX. Sounds great. 

My truck broke down. It is very hard on SS to get it fixed. i have tried to get a part time job to no avail. NO TRUCK. I would have to wait for my next payment to come in to buy parts. It took me 2 months. So I get tagged for missing a payment. I knew I wouldnt be able to carry on and needed to cancel my membership. 

I contacted MoneyLion and told them the situation. They said you have equity so we need XXXX ( that number changed depending on who you talked to ) and we will close you out. But XXXX you have to make up the missed payment. I said thats the whole issue. My finances have changed drastically. I cant afford this. And a missed payment is me paying me into a holding account. Youre reporting a savings account. 

Since then, I live in a XXXX  with no running water. ( I have a lot to move to with a water meter but cant raise the moving fee another reason I needed to cancel. ) Since requesting MoneyLion to close me out my truck has been on the blink. My repair after 2 months only created more issues. You cant work part time without a way to get there. Even today the XXXX  is up. I have had a rough financial time. I dont know why I cant cancel a saving account. 

Since then, to cut back and get parts I lived on crackers and water for 3 days. XXXX XXXX XXXX XXXX XXXX. I was XXXX. Had a moment of clarity long enough to call an ambulance. MoneyLion wrote me about the complaint. I have told them all this. I CANT PAY. They said tough we are going to report 14 missed payments to the Credit Agencies. So lets XXXX  the XXXX  man on SS who is having a rough time and XXXX XXXX. 

I was in the XXXX for 4 days. My dog went hungry during those 4 days. The driver taking me home stopped at a grocery store so I could buy dog food. 

I have no reason to believe CFPB will do anything about this. So the last two complaints have been closed. I never even was notified and told by your staff I cant appeal. She said fill out another complaint. OMG. 3rd try. 

So Consumer Financial Protection XXXX will XXXXXXXX XXXX XXXX XXXX XXXX. Join with MoneyLion in suppressing me. By reporting me missing a payment into XXXX  SAVINGS ACCOUNT. 

I have contacted a debt agency to help me with my debt. Theyre ready. I cant raise the payments. Do you think good credit might help me in my old age? 

Im copying XXXX XXXX on this. She created this agency and has a stake.
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Furnisher ) and XXXX ( CRA ) Account : XXXX STATEMENT OF FACTS : 1. On XX/XX/year>, I submitted a formal debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX. 
2. The debt collector received this request ( Tracking : XXXX ). 
3. No validation was provided within the XXXX statutory period. 
4. On XX/XX/year>, I disputed the debt with XXXX Confirmation number : XXXX. 
5. On XX/XX/year>, XXXX reported the debt as " verified '' without proper validation. 

VIOLATIONS : 1. FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] : - Furnisher failed to conduct reasonable investigation - No response to validation request within statutory period - Continued reporting unvalidated debt 2. FCRA 623 ( b ) ( 1 ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ] : - Furnisher failed to : - Conduct proper investigation - Review all relevant information - Report results of investigation - Modify/delete inaccurate information 3. FCRA 615 ( a ) ( 3 ) [ 15 U.S.C. 1681m ( a ) ( 3 ) ] : - CRA failed to maintain reasonable procedures- Continued reporting disputed debt without proper verification - Failed to remove unvalidated debt after notice Supporting Documentation Attached : 1. Original debt validation request ( XX/XX/year> ) 2. Follow-up letter ( XX/XX/year> ) 3. XXXX dispute results ( XX/XX/year> ) 4. Certified mail tracking confirmation I declare under penalty of perjury that the foregoing is true and correct. 

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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 : {$19000.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect information on my credit report and according to FCRA, I have the right to an accurate credit report. 
The report says I opened account in XX/XX/2022 and made zero payments and XXXX payment amount and term was for one month. I never opened an account in XXXX or would agree to one month payment. The amount states {$2200.00}. 

Also same account NCB Management, collection agency violated the FCRA : Debt collectors are not allowed to call friends or family members and discuss account. 

NCB Management violated this 3 times by calling a family member discussing my account and asked them to pay {$1300.00}. 

Each violation is a fine of {$1000.00} and they have violated it 3 times.