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

On XX/XX/2023. I received a mail from PayPal saying they are unable to continue processing payments for me and my account is permanently limited due to me violating some of their policies and that they will hold any money stored on my account for 180 days. My business provides a service to different brands where products are tested to give the brands positive or negative feedback and what they can do better, payments were received through PayPal. After looking several hours and asking for help to my accountant we couldn't see where I violated one of their policies, their policies talk about selling and participating in illegal acts such as selling drugs and guns which my business has nothing to do with this. After trying to contact PayPal several times for an explanation every single time was the same '' We can't disclose the reason ''. I also told them I could send any type of legal documents to verify my Identity but they were all responded with the same email saying this is a final decision. By PayPal doing this my whole business comes to a complete halt due to a mistake on their part of accusing me of violating their policies or making wrong assumptions. I have called several times and talked to different Managers and the last one told me '' The same answer you got on the mail is the same I am going to give you, the decision is final ''. I thought I was not under what can be considered a High-risk user since I have never received a claim/chargeback from any of my clients, I do not violate any of their policies. Today XXXX XXXX I received an answer from them saying I actually was targeted as a " High Risk User " due to some " potentially fraudulent funds ". In the close to one year of my business operating, I have never received a Claim nor a Chargeback. I am open to talk to PayPal and prove that my funds are not fraudulent also I can provide any type of documentation/receipt from client and I am also able to prove each and every single transaction/funds received for what the order was paid for, but PayPal never asked for this kind of information, matter of fact they didn't even gave me a chance to prove I am not involved in any fraudulent business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX for account XXXX, XXXX XXXX XXXX  for account # XXXX, XXXX XXXX  XXXX for account # XXXX, XXXX XXXX XXXX   for account # XXXX, XXXX XXXX XXXX   for account XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one,  Accounts XXXX, # XXXX, # XXXX, # XXXX, lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting.  MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Money transfer, virtual currency, or money service

[ Can't redeem rewards on Capital one shopping ] XXXX I have earned {$41.00} available in Shopping Rewards on https : //capitaloneshopping.com Since then, I've tried to redeem the rewards to WalmartXXXX XXXX gift card multiple times. Every single time, it showed " Success! Thanks for ordering an e-gift card. We're working on processing your order, which can take up to 24-72 hours to complete ( sometimes sooner! ). Once that's done, we will email you with your redemption instructions and this page will update with your card 's information. '' However, I've never received any email for the gift card and my gift card purchase history shows empty. Apparently, every time the order was canceled without notice or explanation. 
After reading up online forums, what happens next seems to be -- after many times of failed redemption attempt, my account will be deleted and my rewards will be gone.
Product: Mortgage

I requested printed copies of my and my wife 's phone calls with FM so I could review the information we had been given. 
I maintain that the company : 1 ) Gave incorrect and/or inaccurate information re : the loss mitigation options available to us. We were told one particular option was available, then weeks later were told that it was no longer offered/available to us. I have since learned ( through the VA loan guarantee service ) that it was never an option. 
2 ) Did not adequately detail the information they were requesting for us to provide. ex. " blank '' pages from bank statements 3 ) Took an inordinate amount of time to process loss mitigation applications. At least two times all paperwork was submitted and there was " nothing else '' for us to do. Only to receive a letter about six weeks later stating that new paperwork was required because some item ( s ) in the application had since " expired ''. 

As a result- of the unclear and inaccurate information I was given, and then the delays due to " expired '' paperwork- late/foreclosure fees continued to increase. I do not have an exact dollar amount at this time, but I believe it is in the neighborhood of $ XXXX - $ XXXX.
Product: Mortgage

In XXXX 2016, my lender started sending letters saying purchased insurance on my behalf, and then they increased my 30 year fixed loan. I provided them with proof of insurance with no lapse in coverage in XXXX and XXXX. As of XXXX, they have n't acknowledged receipt of my insurance information. My insurer has provided to the lender twice. I have mailed the information to them in a certified letter on XXXX/XXXX/16. The prior lender also provided them this information when they purchased my loan. Additionally, my lender is sending me letters indicating I 'm a month late with a mortgage payment. I provided them proof of all my timely payments, which were electronically transferred from my band into their account. I 've spoked with XXXX representatives from my lender. Most of the time, they indicate that their computer monitor is not working and they ca n't look up my information. I 'm fearful that they are trying to foreclose on my home. I 've always been compliant and timely, and I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint on XX/XX/2022 with the CFPB stating that there is no bankruptcy on my consumer report and this account with Armed Forces loans shows under wager earner plan. Armed Forces responded and said they would remove the account within 5 business days from their response. As of today it's still there and they haven't removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I noticed that there is duplicated hard inquiries on my TransUnion report, please remove duplicated inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a discrepancy that does not align with my personal records. It appears that some of the information reported may be incorrect or outdated. I kindly ask that you review this matter thoroughly and make the necessary corrections to ensure accuracy. Thank you for your prompt attention to this issueit is greatly appreciated.
Product: Debt collection

PROFESSIONAL ACCOUNT MANAGEMENT LLC IS ATTEMPTING TO COLLECT A DEBT FROM ME FOR A CAR WITH A LICENSE PLATE OF XXXX XXXXXXXX. I HAVE DISPUTED THIS DEBT IN THE PAST AND AFTER SEVERAL DISPUTES AND COMPLAINTS THEY FINALLY INVESTIGATED MY DISPUTE. THEY TOLD ME THEY WOULD NOT ATTEMPT TO COLLECT A DEBT FROM ME ABOUT THIS LICENSE PLATE XXXX XXXX. IF I TELL THEM I SOLD THIS CAR BACK IN XXXXXXXX, THAT MEANS I SOLD THIS XXXX AND IT DOES NOT BELONG TO ME. THEY WANTED MORE INFORMATION FROM ME. DUDE, I AM A RESIDENT OF TEXAS AND THE CAR IS IN CALIFORNIA BEING DRIVEN WITH XXXX XXXX. AGAIN, I SOLD THIS CAR IN XXXX AND IT DOES NOT BELONG TO ME. XXXX TOLD ME THEY WOULD STOP COLLECTION ACTIVITY AGAINST ME FOR THIS, BUT THEY HAVE CONTINUED THEIR COLLECTION ACTIVITY AGAINST ME IN A DEBT COLLECTION LETTER DATED XXXX. 
I DECLARE UNDER THE PENALTY OF PERJURY UNDER THE FOREGOING IS TRUE AND CORRECT. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

ACCT # XXXXXXXX XXXX XXXX  Verification demand letter was sent out to all 3 credit companies. XXXX responded back verified without any additional information,
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the 3 credit bureaus to verify a bankruptcy. I contacted the courthouse to see if they verify with these agencys. The lady told me that they dont do that. 

There are other things on my report, that I asked them to send verification. They replied its not their job to do that. Its been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXXXXXX XXXX and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called Transunion and XXXX several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has 10 missed payments XXXX has 10 missed payments XXXX XXXX has 8 late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court
Product: Credit reporting or other personal consumer reports

omplaint Number ; XXXX this was my last complaint number is selected the wrong company that is the only company i work for the complaint was for trans union my XXXX attempt with them to get the matter resolved. Transunion!!!!! XXXX XXXX I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies XXXX previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. Not my names i have only one name and address beggining with XXXX proof attached. I have only XXXX phone number ending in XXXX and only XXXX company I work for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested Mutiple times for credit report to be corrected. The companies are submitting their report filings to either delete or update a trade line and XXXX and TransUnion does not comply. All three reporting agencies report different and is not correct. 

Accts where I have resolved by paying off is not updated on XXXX or Transunion. 


XXXX XXXX- Resolved and reflect & {$0.00} balance on XXXX but not XXXX or TransUnion . 
XXXX XXXX- Received a letter from the creditor that is deleted from tradeline. 

There are accounts that reflects that have not been reported since XX/XX/year> XXXX XXXX- reflect incorrect balance reported on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX
Product: Mortgage

I have never did business with this company BSI Financial. please send me original loan documents with wet signatures form XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Mortgage

I noticed that the principal owing is $ a little over a {$1000.00} More than when Greentree was servicing my loan, in addition the late fees are wrong, the dates that the company says amounts were credited is wrong, interest rate appears to be wrong, at 9.925 % the company charges {$19.00} to pay by phone it will not except any amount other than what their website says is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX Equifax and XXXX. And due to the dates being inaccurate, I ask that this account be deleted. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC with account # XXXX, with a balance of {$2700.00}. This is a default judgment that I am unaware of because I never received a loan from LVNV Funding LLC. however LVNV violate the judgment an increase the amount from {$2700.00} to {$2800.00} this is a violation of the FCRA and my rights as a consumer therfore I asked for a clear investigation on this matter.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


15 U.S.C. 1681 section 602 A. States i have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written permission.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 
15 USC 1681 Section 602.A states that I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 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 accurate.
Product: Debt collection

I got a notice of a collection reported to my credit report. I disputed it and they said it was valid. Through XXXX  I asked them to validate the debt or remove from all XXXX credit reports. I do not know who this company is and they have no authorization to report. I do not have a contract with them.