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

PayPal Inc. has put limitations on my Paypal account/wallet 3 times in 6 weeks. Each time they are asking for the same information, A photo Copy of my ID, and receipts from my vendors for items which I have sold. Each time I have submitted the same information and they have lifted the limitations after around 7 days. During this time I have been trying to transfer my funds from my Paypal account into my linked personal bank account to pay bills. On XX/XX/2020 after my account limitations were lifted I tried to transfer funds. Paypal put a hold on the transfer and then the same day they had lifted the limitations, they limited them again and denied my transfer! They are now asking for the exact same information I have already submitted multiple times, which resulted in a 7 day wait and ultimately a lift on the limitations and then another limitation being placed as soon as I try to access my funds. I have reached out to Paypal in a chat, which is the only way you can communicate with them right now. Paypal has refused to have someone look into my account and will only tell me to keep submitting what they ask for. Which is getting me nowhere. I am afraid they are doing this to many others and at a time like this there is no excuse for withholding their account holders money. Please look into this so I can pay my family 's bills. Thanks, XXXX XXXX ID - XXXX, Reference ID - XXXX, Reference ID XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Formal Complaint and Demand for Removal of Collection Account To Whom It May Concern, I am writing to file a formal and urgent complaint regarding the reporting and continued presence of an erroneous and unlawful collection account on my credit report. This collection violates several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b and 15 U.S.C. 1681-2, as well as other related laws. 

Account Name : SPRINGOAKCAP Account # : XXXX The collection account in question has been inaccurately reported and is detrimental to my credit standing. The creditor or collection agency reporting this account has failed to comply with the necessary legal requirements for accurate reporting, dispute resolution, and validation of the debt under the law. 

Violations : 1. Inaccurate Reporting ( 15 U.S.C. 1681b ) Under 15 U.S.C. 1681b, a credit reporting agency may only report accurate and verified information. The collection account has not been verified with proper documentation, nor has the creditor demonstrated that they have the legal right to report this debt.

2. Failure to Provide Validation of Debt ( 15 U.S.C. 1681-2 ) Under 15 U.S.C. 1681-2, creditors and collection agencies are required to provide proper documentation and verification of any debt before it can be reported on a consumers credit report. Despite my multiple requests, I have not received any validation of the debt or the legal basis for this collection.

3. Violation of FCRA and Related Consumer Protection LawsThe continued presence of this collection on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. Failure to resolve this matter in a timely and legal manner is unacceptable.

Demand for Immediate Action : I hereby demand the immediate deletion of this collection from my credit report within 14 calendar days from the date of this letter. The failure to comply with this demand will force me to take further action, including pursuing legal remedies and filing complaints with the appropriate regulatory authorities, including state and federal agencies, as well as pursuing a lawsuit for violations of the Fair Credit Reporting Act and any other applicable consumer protection laws.

The burden of proof lies with the creditor and collection agency, and they have not provided adequate validation or legal substantiation of this debt. If the collection account is not removed from my credit report within the 14-day timeframe, I will pursue all available legal avenues to rectify this violation.

I expect confirmation in writing that the collection account has been deleted from my credit file within the stipulated 14-day period. This matter is not only a violation of my rights, but it is also a direct infringement on my ability to maintain a fair and accurate credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 a payment of XXXX was paid to the original creditor XXXX XXXX/ XXXX XXXX XXXX and was paid in full. The debt collection agency reported that {$160.00} was owed then it was updated shortly after with a XXXX balance but still open. I disputed the claim because the debt was paid in full. I received a statement stating that there was a balance of XXXX still due on the account. That amount was never reported. I went ahead and paid the XXXX over the phone on XX/XX/2019. I contacted the collection agency shortly after because they were still reporting a XXXX balance and that the account was still open
Product: Mortgage

We recently paid off our Texas home and at closing we had an overpayment as well as escrow balance of roughly {$3700.00}. Chase informed us they would be dispersing a check for this amount immediately after closing on XX/XX/XXXX it would take roughly 7 to 10 business days for us to receive the check after XXXX business days we called in to ask when we should receive the check as we still have not received it. They stated that they could add the funds directly into our Chase business account and it would take one to two days to process. XXXX days after not receiving the funds again we called in and were informed that they could not process the funds into a business account. It had cut another check to be here no later than Wednesday, XX/XX/XXXX. After not receiving the funds by Thursday the XXXX we had called in again and spoke to an escalations manager to informed us the check would be here no later than the next day Friday, XX/XX/XXXX. We just got off the phone once again today, XX/XX/XXXX with another escalations manager, who informed us they would cut another check, which would likely take an additional 10 business days to receive. At this point it seems Chase has no intention of actually dispersing our funds back to us, and is unwilling to make any accommodations to give us our owed money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FIFTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX, XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This will also be the 5th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inquiries without my written permission in violation of 15 us1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear TransUnion, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account Number : XXXX On XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX XXXX XXXXXXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance. 
I requested a response within XXXX days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) . 
Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within XXXX days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 
This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by XXXX Days from the Date of This Letter Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Collections validity is in question and is illegally reporting on my credit report, violating my privacy, and HIPPA law, and. Please remove this from my consumer reports or you are opening yourself up to litigation. 

XXXX XXXX XXXX {$750.00} Balance
Product: Credit reporting or other personal consumer reports

I disputed with Equifax on XX/XX/24 about the public record showing in my credit file. ( # XXXX record ) On XX/XX/24 they said the info was verified by XXXX and was accurate. I have a letter from XXXX stating the info is not accurate nor is it in my file. I have sent this to Equifax, XXXX, And XXXX. XXXX and XXXX removed it but Equifax refuses to remove it. 

I am writing to express a serious concern regarding Equifax 's refusal to delete an inaccurate public record from my credit report, despite providing evidence of its inaccuracy. This erroneous information has had a detrimental impact on my credit standing and financial well-being, and despite my efforts to rectify the situation with Equifax, the issue remains unresolved. 

The inaccurate public record in question is [ describe the specific public record, such as a judgment, tax lien, or bankruptcy, and provide details about the evidence you have to prove its inaccuracy ]. Despite presenting compelling evidence that the public record is indeed inaccurate, Equifax has refused to take the necessary steps to remove it from my credit report. 

I have made repeated attempts to work with Equifax to resolve this matter, including providing documentation that clearly demonstrates the inaccuracy of the public record. However, I have encountered significant challenges in having this issue addressed, and the refusal to delete the inaccurate public record continues to harm my creditworthiness and financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax upholds its responsibility to accurately report consumer credit information. I urge the Bureau to investigate this issue and compel Equifax to take the appropriate actions to remove the inaccurate public record from my credit report without further delay. 

I am enclosing copies of the evidence that substantiates the inaccuracy of the public record for your review and consideration. I would greatly appreciate any assistance you can provide in facilitating a resolution to this pressing matter. 

Thank you for your attention to this issue, and I look forward to your prompt intervention and support in addressing this critical concern. 

Sincerely,
Product: Checking or savings account

We were married in a wedding venue. There was a lot of confusion because there was a lot of turnover. We did not agree with the final charges and the contract they sent over. We did not sign or agree to the final charges. We made the company aware of this in writing. We contacted the corporate office additionally. They then charged our debit card in the total of XXXX in three separate charges. It seems as if they were trying to see as much money as they could get out. We filled a claim with our bank. They approved one claim then denied another. When we called in they said that the venue was admitting that some of the charges were not authorized because there were major issues and services not rendered. We informed Chase Bank that there was no signed contract or credit card authorization form submitted on our behalf. They used our debit card to charge XXXX without our consent.
Product: Credit card

My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : Citibank XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I semi regularly check my email weekly. I saw on one of my emails that XXXX XXXX  stated that my credit had changed. I also received an email from one of the credit bureaus about my credit changing. It showed that a hard inquiry was made by Capital One bank  at XXXX today XX/XX/2022. I am currently attending XXXX XXXX XXXX XXXX and am not allowed to leave the center. I have also seen soft inquiries being made on the east coast as well. I have never given my sensitive information to anyone. I tried calling Capital One and it was already closed when I saw the unauthorized hard inquiry. I have gotten many promotional mail from Capital One for a couple of years. I always try to shred them to prevent my sensitive information getting out. I only have two active accounts. I have a XXXX credit card I had opened a few years ago and has only been spent on clothing to boost my credit. I also have a XXXX XXXX debit card. I also have a XXXX debit card that is issued to me by XXXX XXXX XXXX XXXX for my bi-weekly allowance. I had tried to close the XXXX XXXX credit card and talked to them over the phone and they said they would. I dont know if the XXXX XXXX credit card has been closed or it is my XXXX XXXX Debit card. I have frozen my credit bureau accounts that I am able to.
Product: Payday loan, title loan, or personal loan

I never received any loan from this company I sent over afadavivt they claim.it went to account ending in XXXX I never received any account number like this in my life they are not being to helpful in resolve this matter.
Product: Credit card

XX/XX/XXXX An {$8000.00} credit card charge was flagged by me as I believed it to be fraudulent as the vendor name was not recognizable and there was no phone number listed beside the charge. 
The vendor subsequently contacted me and we agreed it was a legitimate charge. 
I called Wells Fargo to let them know but they could not process the payment to the vendor in a timely fashion so I instructed them to cancel the transaction as the vendor needed to be paid promptly. 
I paid the vendor with other funds XXXX XXXX XXXX XXXX XXXX by wire. 
Weeks later on XX/XX/XXXX the same {$8000.00} charge appeared on my statement. I called and apparently Wells Fargo had 'investigated ' the transaction and paid it again in error. 
I have explained this to many Wells Fargo employees, filed multiple claims and eventually on XXXX an Escalations Representative, XXXX XXXX understood the situation and told me this would be resolved properly. 
That did not happen so I had to open another claim which was denied on XXXX 
The Wells Fargo claim number is XXXX. 
The vendor who Wells paid a second time, is not contactable now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account number 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: Checking or savings account

In XXXX of 2021 I was put on life support, they took out there monthly fee of XXXX for the month of XXXX and the month of XXXX. I was on life support XXXX of 2021. They closed my account because I did not have the funds to cover the {$10.00} they took out for maintance. So how is it okay for them not to reach out and ask if everything is okay before closing the account. This was with Bank of America.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.