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

Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I would like to request a re-investigation of my case in order to restore my account.

Firstly, I would like to clarify that I have not violated any PayPal policy, and I have always used my account in accordance with your terms and conditions. Therefore, I was surprised and deeply disappointed when I received notification that my account had been permanently limited.

Secondly, I have carefully reviewed all of the transactions that I have made through my PayPal account, and I am unable to identify any activity that could have triggered this action. I have always been a responsible and honest PayPal user, and I am confident that any investigation of my account will confirm this.

Given the above, I kindly request that PayPal re-investigate my case in order to correct any possible mistake that may have occurred. If my account is found to be in good standing, I respectfully request that you restore it as soon as possible. 

Lastly, I would like to confirm that the email address on my PayPal account is XXXX, and that I am available to provide any additional information or documentation that XXXX be necessary to resolve this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Enhanced Recovery Company added a collection to my credit report. I did not receive a notice of debt. The company ( XXXX XXXX XXXX ) for the original debt is a company that I have not had any business with in over 10 years and I do not owe them. The company is using shady practices by placing the collection on my account without notice to drop my credit score in an attempt to receive payment for a 10 year old debt not owed.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFBD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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 were infeasible. The CFBSs findings indicate that not only has zelle neglected to protect consumers but as also allowed repeat offender to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I disputed the information on my credit and received a credit report informing me that the incorrect information listed on my credit report was corrected and deleted along with the inquiries. My information was compromised by XXXX XXXX XXXX  information leak. I have been fighting strenuously to get the information corrected while XXXX XXXX XXXX XXXX. I DO NOT NEED THE EXTRA STRESS! After I was notified by XXXX that the information was deleted, my credit score DECREASED substantially!!! They deleted 2 major items on my credit along with a lot of inquires and it went down almost 100 points. It's not making sense!! My credit score should've definitely increased!!!
Product: Student loan

I XXXX XXXX have notified " Navient XXXX '' of it's potential fraud, inaccurate, and invalid information being reported from their company against me. Once I contacted Navient XXXX with this discovery Navient XXXX retaliated against me and reported 60 days late on my bureau. I have disputed " Navient XXXX '' and these feloniously debts in the past. By law all of these accounts should not be reporting in my credit profile. 

When I noticed this information I investigated and disputed many accounts that were invalid, inaccurate, and flat-out not my accounts, to my understanding these three accounts were included. None the less, they still remain on my credit file. 

I contact Navient Financial XX/XX/XXXX regrading these 3 accounts. I was more than certain I did not, and DO NOT owe, ( yet currently being reported on 3 major reporting Buraus ( XXXX XXXX, XXXX ) as my debt with a 60 day late XX/XX/XXXX ). 

I contacted Navient, the rep was very argumentative and was almost sure there wasn't any harm done against me by this servicer " Navient XXXX. I disagree with all debts, credit reporting information from Navient XXXX in regards to student loans, specially XXXX # XXXX : XXXX {$2600.00} XXXX {$2600.00} XXXX {$2600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$21000.00} XXXX {$21000.00} XXXX {$21000.00} As to date the entire world is battling to survive financially and " Navient XXXX '' reported 60 day late XX/XX/XXXX on my credit files. 

This was clearly retaliation from the phone call I, XXXX XXXX placed to " Navient XXXX '' on XX/XX/XXXX to inform them of the inaccurate & invalid information the company was reporting against my credit. 

Less then 72 hours my credit rating went from a rating of Good to Poor due to " Navient XXXX '' reporting the above debts as 60 day late for the month of XX/XX/XXXX. Due to this retaliation from " Navient Financial '' I have experience financial and personal hardship, I am unable to qualify for any SBA Business Covid Relief or FEMA Winter Storm Loan assistance. 


I state again, do not think I own these debts. 

XXXX XXXX
Product: Bank account or service

Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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 discrepancies, 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. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credict reporting act XXXX acounts # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A State 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 instruccion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX, and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Called and gave them the info they informed me to file report. Im a victim of identity theft these items are not my transactions conducted by me as a consumer.
Product: Debt collection

I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : 1. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified.

2. The furnisher of the information must also be notified of any modifications or deletions to the consumers file. 

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXXXXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).
Product: Money transfer, virtual currency, or money service

Misleading advertising stating that my financial institution is responsible for investigating fraud charges accrued through their service and not being available for contacting them on multiple instances
Product: Mortgage

Mortgage Company : AmeriHome XXXX XXXX At the beginning of XXXX, I called my mortgage company to get my ex-wife 's name off of my mortgage because we are going through a divorce and she does not want to keep the house. 

The man I talked to ( XXXX XXXX ) decided that I needed to re-finance the loan. So we went through this terribly long process to re-finance the mortgage to be just under MY name... This is a loan I am ALREADY paying {$930.00} per month, with no issue, and a track record of paying on time for nearly a full year. 

What doesn't make sense to me, is, even though I pay the mortgage without my ex-wife 's support, apparently my income is insufficient... But the re-financed mortgage would have been about {$630.00} a month as opposed to the CURRENT loan that I have for {$930.00} a month. 

This started with me ONLY asking to get my ex-wife 's name OFF of the mortgage and to get a quick-claim. XXXX  months later, the re-financing has been denied and I am back at square one, and NOBODY is returning ANY emails or phone calls to me.
Product: Vehicle loan or lease

I got leased a lemon a lot of things wrong I called company and where I bought it nothing they did or respond back it broke down multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX of a account showing past due. upon looking into the alert I noticed a account with XXXX. I did not open give permission to open or have any knowledge of this account. a complaint with the FTC has been filed and communication with the company results in me being hung up on. after review the company XXXX  did not pull my credit as there is no inquiry shown had this been done it would have shown I'm a victim of identity theft and they should not open any accounts in my name. this company clearly does not adhere to the FCRA federal rules and demands payment for an account I did not open.
Product: Checking or savings account

I have a Leave and Earnings Statement ( LES ) from the military with my social security number and the bank account number that shows I had money going into this account. I also had my disability compensation deposited into this account. When I went to check on my account, first I was also told by a representative that there has never been an account opened with my name at the bank. After I showed her my LES, she then told me that my wife closed and reopened the account under a different name. I told her I have never been married. She said she would not assist me unless I could tell her the name on the account. On a different day, I went back and spoke to a bank teller, and she told me there was an account opened with the bank account number listed on my LES  and under my name, but the current name on the account was not the same as the one the account was opened under. 

I have filed two prior complaints ( complaint # XXXX and XXXX ) in an attempt to address this same issue. I have been contacted by a representative and I was told I would receive a settlement offer but the number provided via voice message and the letter I received through the mail did not work. 
After I filed the second complaint, I was told again I would receive correspondence by mail, but that correspondence never came. 

The number I received a call from ( XXXX ) and spoke with a Bank of America Representative was on XX/XX/XXXX ( Friday ) at XXXX XXXX. The call lasted for 2 minutes and 15 seconds. 

I have made the following calls below to the Correspondence Review Department at phone number ( XXXX ). The automated message isPlease leave your name, phone, and address of property you are calling about. I have left a message with each call. XX/XX/XXXX ( Tuesday ) XXXXXXXX XXXX 49 seconds ( Outgoing Call ) XX/XX/XXXX ( Tuesday ) XXXX XXXX 56 seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  57 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXX XXXX - 1 minute 31 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXXXXXX XXXX 1 minute 3 seconds ( Outgoing Call ) XX/XX/XXXX ( Monday ) XXXX XXXX  - XXXX minute XXXX seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  1 minute 6 seconds ( Outgoing Call ) XX/XX/2023 ( Thursday ) XXXXXXXX XXXX  59 seconds XX/XX/2023 ( Wednesday XXXX XXXX XXXX XXXX minute I have not received a call back. 

This is the second time I was informed that I would receive a response in regard and the second time that response has not come to pass.
Product: Debt collection

On XX/XX/XXXX, I had made my last attempt to obtain validation of debt from Cavalry, for a collection item they are reporting to my credit bureaus. 
I just spoke with XXXX XXXX from XXXX, to recap my conversation with them on XX/XX/XXXX. She confirmed that the representative that handled my dispute, coded it, requesting the reporting agency, ( Cavalry ), present and send verified account details & account history. This was never received by them or myself. Cavalry continues to report this to my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  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 XXXX AND XXXX XXXX XXXX  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

CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and XXXX are not reporting this account, TransUnion is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX  ( XXXX XXXX Account Number : XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX  XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX  has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX banks are two of the four that have been blocked.
Product: Credit reporting or other personal consumer reports

I kindly request the immediate removal of this inquiry from my credit report, as it does not pertain to me, and I have no connection with the involved creditors.
Product: Credit card or prepaid card

OnXX/XX/XXXX I went to Bank of America XXXX  ( XXXX XXXX XXXX  ) to make a wire transfer. While I was waiting in line, banker XXXX XXXX  spoke with me. She asked me whether I had a credit card, and I said yes. I told XXXX that I just opened my first credit card a month ago, and that was a XXXX XXXX credit card. However, XXXX  lied and told me that I needed to open a BOA travel card because XXXX  card had foreign transaction fee and less cash back ( Actually XXXX  offers 2 % cash back, better than BOA travel, with no foreign transaction fee ). She also did not tell me about the negative impacts on my credit report of opening 2 credit cards within the first month of credit history. XXXX lied and intentionally guided me to apply for a credit card using false information. It is clearly contrary to professional ethics. The decision of opening the credit card is not based on correct information. I contacted XXXX the afternoon of XX/XX/XXXX, asking her to cancel the hard pull on my credit report as well as the credit card. She said that she would contact me again the second day and provide a solution, but she actually blocked me from messaging.