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

Dear authorities, I would like to report paypal for taking money from user accounts occasionally and irresponsible and unreliable identity verification. First of all, paypal limits user accounts accusing violation of acceptable use policy. They sent email saying our accounts are permanently limited and after 180 days, we will get emails regarding our account situation and withdraw of money in the balance. As per my case and a lot happened to other users, we dont get email as they promised prior after 180 days of limitation. Instead, after certain amounts of time, we receive email that paypal can take recovery loss from our balances not mentioning a specific amount. 
In my case, my account was restricted on XXXX XXXX and I didnt receive any email from paypal during or after 180 days. Only on XX/XX/XXXX, i received email that paypal can take recovery loss and i checked my account on same day and my balance was same. But on XX/XX/XXXX, all the balances in my account which is XXXX $ was taken as paypal recovery loss. I used PayPal with my real informations and I never had dispute over transactions. First off, this kind of dishonest financial institutions are risky for benefits and financial guarantee for public consumers. I acknowledge that as per their terms and regulations that we sign when we open account, that they can take recovery charges. However, from their side, theyre not open with how much percentage of balance they can take or they dont inform you via email about how much money they took from your account or for which specific reason. Moreover, they dont send instruction email after 180 days as they promised. Customer has the right to know for which specific reason, they money was taken and to argue until he feels justified. 

Second report : I found out that someone was putting random fake SSNs and Tax IDs and PayPal system is accepting them. You should take action immediately as it endangers public safety and wellbeing. Secondly, if Paypal gets suspicious over a transaction, it should report to respective authorities, not by itself keeping the money illegally without informing authorities. 

I really would like to request CFPB to take action on Paypal and refund the money to customers.
Product: Checking or savings account

I need my pin to be reset for me or removed off from my account. 
. 
Of removed from my account, so I don't have to give it to the agent when I talk over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$780.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX - I have an old C.C. account ( XXXX  ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency, has violated my rights under the FCRA Section rule 611 ( a  ) ( 6 ) and ( 7 ) for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into four times that last was on XX/XX/2019 and supporting documentation was also sent with the same results. I am a victim of Identity theft and have provided all supporting documents of such. All other reporting agencies have lawfully conducted themselves, yet suppervisors of this agencies have went as far as telling me constantly that it is not their responsibility to provide verification and that no such law requiring them to verify exist.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. THESE ACCOUNTS LISTED : ( XXXX XXXX  acct # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX ) I HAVE IN LITIGATION. ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST XXXX, TRANSUNION AND XXXX AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my XXXX credit report please remove immediately My XXXX accounts is reported as late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting on my credit bureau reports. When they havent been doing so since day one. Which is in violation of the fair debt credit reporting act.
Product: Debt collection

My debt account with a hospital has recently ( XX/XX/2019 ) been moved to a different debt collection Agency. I continue to receive threatening phone calls from BCA Financial demanding that I state my name, social security number, and demanding that I pay the balance of my debt in full over the phone by credit card or bank account number. My account is no longer with this company, BCA, which BCA confirmed when I called them again. BCA has no record of this phone call that was made to me on Thursday XX/XX/2019. Someone is calling me and claiming to be BCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting a late payment on my credit report. This company offered me XXXX XXXX which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.
Product: Debt collection

As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 's regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting descrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent & I have advised this company that this debt is not owed, however, they continue place this on my credit report. I have shown proof of such, I provided proof of identification which was ignored, the address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect and false on my consumer report and said all the information is verified. XXXX removed all these fraudulent accounts including names and addresses that never belonged to me ever!! Who is XXXX XXXX XXXX. As per FCRA once XXXX bureau removed all false information you have to do the same. This causing a great burden to me as I have been the victim of identity theft. Please see attached exhibits as proof of claim. I also sent a cease and desist and they are still reporting which is third party communication and that is forbidden. And according to cfpb.gov the law requires companies to delete disputed unverified information from consumer reports.
Product: Mortgage

We hired XXXX XXXX XXXX to modify my mortgage in XX/XX/XXXX. They promised that the whole process takes 3 to 4 months and would get my mortgage at a 2 % TO 3 %. In XX/XX/XXXX I received foreclosure papers on my house. I contacted XXXX and they told me it was a scare tactic to try and collect money from me from the mortgage company collections department. Told me not to worry i was protected by them. At the end of XX/XX/XXXX I was served with more paperwork from the mortgage company to start a loss mitigation process. Tried to contact XXXX to see what was going on and couldn't get any answers. After 4 days of probably calling them 6 or 7 times a day I finally got a call back, only to be introduced to their compliance Department and a guy named XXXX, well XXXX is a fast talking used car salesmen that loves using all kinds of acronyms to make it sound like hes on the up and up, but he is incapable of answering a question with a direct and honest answer. The results of my communication with them was XXXX telling me that I had to pay an additional {$6000.00} for my case to move forward ( with no guarantee that they can deliver on the promise that they made ). Throughout this entire process there has been little to no communication from XXXX to me except for once a month when they contact me looking for their payment. They have been taking my money for 17 MONTHS and have accomplished nothing, I had taken the Mortgage companys offer for loss mitigation and started that process on my own. I was lied to and promised that my loan would be modified at a low interest rate within 3 to 4 months with a 100 % money back guarantee, and now they are saying that they will not refund me since we did get an offer back from the investor ( yet they have not and can not show me the offer ). 
Because of XXXX my home is currently over a year passed due, and in foreclosure. 
XXXX is a scam, they are very dishonest and misleading, and do absolutely nothing that you can not do for yourself, ( other than extorting money from you ) My house is now in forclosure because of XXXX and I am fighting with everything i have to keep a roof over my kid 's heads
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 54 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I was affected by this breach and don't want this affect my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Debt collection

This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her.
Product: Mortgage

Im dealing with shellpoint mortgage and my loan is paid off and im having trouble getting my release papers and they owe me for a overpayment. Im trying to remodel my house and I can not take a loan out on my house because of shellpoint holding my information and I heard they have withheld a lot of customers release papers and not refunding them in the past and have several lawsuits. I been calling for a month now and I get no response. Someone really needs to do a investigation on this company.
Product: Debt collection

Date XXXX XXXX This account credit acceptance corp are reporting on my credit profile is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Product: Credit reporting or other personal consumer reports

XXXX has not remove all the diffrent variations of addresses and names on my credit report after several attempts
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I am writing to bring to your attention an ongoing issue with Equifax concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute the following discrepancies, but to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ).

Details of the inaccuracies and required corrections are as follows : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} This account was never late. Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX declined, money was in the account to pay, ive spoken with these people monthly they are aware that this will be an ongoing payment, but they still reject the charge.