23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used PayPal credit to buy a XXXX XXXX ticket to my father in law. I purchased it XX/XX/2018 worth around $ XXXX-XXXX. Something goes wrong as he was flying on XX/XX/2018, the XXXX XXXX send a refund worth of {$1000.00} for the unuse ticket XX/XX/2018.The PayPal credit is Paid off. I on my side would like to get the money back but the PayPal resolution center want me to send documents such as my ID, Address and social security card scanned to their resolution center. 
I provided Driver Lincense with my address on it and my social security card the 1st respond I made. 
It was reviewed in there behalf and send me another email that the documents is incomplete. The 2nd time I send them my bank checking statement it included my address match all my accounts. But for the 3rd time  PayPal Email Me again requesting for additional documents before I can get my refund. I dont know what to do.. All my bank account are link to PayPal electronically for easy acces. I used the same checking account I paid PayPal for all my transactions. Somehow to get my money back is impossible. Please help me resolve the problem. I dont know who else to talk. I called PayPal for the matter but the rep. Just forward me to a recording system. I was on hold for 13 mins. Can no longer wait I decided to hang up. But provided them the documents they needed for my account at the PayPal resolution center.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX/XXXX  Acct # XXXX XXXX/XXXX Acct # XXXX US Department of Education   Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I have been a victim in the Wells Fargo illegal repossession and overdraft fees. I have had 2 vehicles financed through Wells Fargo. I had been a customer with Wells Fargo many years up until XXXX. 
They repossessed my XXXX XXXX after making a arrangement with them in XX/XX/XXXX they repossessed a week before my arrangement to pay it. They did not give me any information on getting my vehicle back. I have spoken with XXXX at their executive office and she told me I didnt qualify for the settlement. She also told me information and sent me information that is a total lie. I have what I was sent. They have in the papers XXXX sent me a letter they claim to have sent to my husband?? where is my letter?? All other correspondence came in my name but this very important correspondence supposedly was sent to my husband but not me. My name was on the loan It wasnt through the dealer it was through the bank because it was a private sale. I actually dont even believe my husband signed any paperwork for a loan. Last year we were sent paperwork to give our tax preparer for our taxes that they discharged the debt for that vehicle and had us pay taxes on that. I also paid off a XXXX XXXX that I had a loan with them and it was paid off XX/XX/XXXX. They sent me 3-4 checks between $ XXXX {$34.00} that XXXX seems to think covers what was done to me. Also for years prior to XXXX they have charged me fees adding up to $ XXXX dollars a year for overdraft fees and I have all the paperwork to prove it. They would seem to apply deposits and withdrawals as to when it would benefit them.
Product: Mortgage

Received a foreclosure notice from mortgage lender XX/XX/XXXX ( only two months behind ) {$1700.00} Sought help with a housing counseling agency XXXX XXXX XXXX ) Agency submitted my information to the lender to stop the foreclosure ( XX/XX/XXXX ) Agency submitted my information to WVHDF HAF program ( XX/XX/XXXX ) Agency checked on status of the HAF Funding XX/XX/XXXX ) HAF funding was able to pay on one months arrearage with note from Mortgage Solutions that they do not work with HAF funding ( {$570.00} ) Agency contacted Mortgage Solutions and was told even with a third party authorization document faxed and mailed to them on XX/XX/XXXX it was not valid because the " signatures did not match '' ( XX/XX/XXXX ) Agency was trying to determine if the funding would bring the account current or if the account would be one month behind still and in jeopardy for future future foreclosure actions.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed that several hard inquiries do not indicate a permissible purpose next to these items. According to the Fair Credit Reporting Act, any information provided on my consumer report must have a permissible purpose as outlined in 15 USC 1681b. PLEASE DELETE THESE! See below and credit report attachment. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX, I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing. 
The details of the inquiries in question are as follows : o Creditor/Institution Name : [ XXXX XXXX ] o Date of Inquiry : [ XXXX XXXX XXXX  ] o Creditor/Institution Name : XXXX XXXX XXXX  ] o Date of Inquiry : [ XXXXXXXX XXXX XXXX  ] o Inquiry Type : [ Hard inquiry ] I have thoroughly reviewed my records, and I can confirm that I did not authorize this inquiry. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there. 
Please confirm in writing once the inquiry has been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt attention to this matter. Should you need to contact me for any further information, I can be reached at [ XXXX ] or via email at [ XXXX ]. 
Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I did a money gram transfer for {$500.00} from money gram .When the receiver went to pick the money ; they mentioned the money is not available.I called them and I gave the reference number and asked what is the purpose they hold the money.One the agent saying that she will transfer me to another department.They put me on hold for more than an hour. They never pick up the line.I want to get the money back.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$2700.00} XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  AL XXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX AUTO Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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

This is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account name XXXX XXXX  Account numberXXXX  Account type Collection Responsibility Individual Date openedXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updatedXX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Now it opened again XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account number XXXX
Product: Debt collection

Received a letter on XX/XX/XXXX. From MRS attempting to collect an alleged debt from a company I have never heard of.
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 XXXX XXXX XXXX 
I looked at my Experian credit report on XXXXXXXX XXXX XXXX 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, 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 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: Mortgage

With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''. 

We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full. 

At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : 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 an 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is
Product: Debt collection

I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX RE : XXXX  Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Vehicle loan or lease

Incorrect amount on what is owed. Nothing is owed on loan. Loan paid off