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

Dear PayPal Customer Support Team, I am writing to you today to formally lodge a complaint regarding the permanent limitation that has been imposed on my PayPal account. I am hoping that you can consider my request to have my access restored. 

On XX/XX/2023 XXXX, I was notified by PayPal that my account had been permanently limited. This decision came as a surprise to me, as I have always used PayPal in accordance with your policies and guidelines. Furthermore, I have never been involved in any fraudulent activities or any other violations of PayPal 's terms and conditions.

Despite my attempts to contact PayPal 's customer support and resolve the issue, I have not received any clear explanation as to why my account was limited. This has caused me great inconvenience and has put me in a difficult financial situation, as I have been unable to access my funds or make any transactions through my account.

As a result, I respectfully request that PayPal reconsiders its decision and restores my access to my account. I am more than willing to provide any additional information or documentation that may be required to resolve this matter.

I would like to emphasize that I have always valued my relationship with PayPal and have always trusted your company to provide me with a safe and secure platform to conduct my online transactions. Therefore, I hope that this issue can be resolved promptly and that I can continue to use PayPal 's services as I have in the past.

P.S : I have attached my valid photo id with this complaint as a proof of genuine identity holder.

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the negative remark that Credence Resource Management has recently placed on my credit report without providing me with proper notice. 

It has come to my attention that Credence Resource Management claims to have been attempting to contact me regarding an outstanding bill of {$270.00}. However, I have received no such communication from them. If they had indeed made any effort to reach out to me, I assure you that I would have promptly responded. 

During a conversation with Supervisor XXXX, I expressed my lack of knowledge regarding the alleged debt. In response, Supervisor XXXX proposed a settlement offer which I respectfully declined. I explained that before any further actions could be taken, I require all necessary documentation to verify the debt, including the last payment history and the associated account number. Failure to provide this information in a timely manner will necessitate the immediate removal of the negative remark from my credit report. 

Furthermore, it has come to my attention that the credit report does not include an account number or contact information for Credence Resource Management. I find this lack of transparency to be in violation of fair credit reporting practices, as accuracy and accessibility are essential components of a credit report. Upon further investigation, I discovered that Credence Resource Management has a rating of only one star, indicating a pattern of poor service and questionable practices. This raises significant concerns regarding the credibility and legitimacy of their actions. 

I kindly request that this matter be rectified without delay. If a resolution is not reached promptly, I will have no choice but to seek legal counsel to explore further options for addressing this issue. 

I trust that you will give this matter the attention it deserves and work towards a swift and satisfactory resolution. I look forward to your prompt response to confirm the initiation of the necessary steps to address this dispute effectively. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I looked at my credit reports and upon reviewing them I noticed negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my Experian credit report for 6 months now due to a Bankruptcy that is incorrect and NOT verified. They have not verified this with any agency and I have a letter from the courthouse that also says they do not verify this info with Credit Bureaus. They refuse to delete this inaccurate Unverified bankruptcy. XXXX and XX/XX/XXXX have already fixed the issue can we please get Experian to do their due diligence and remove this Ive been fighting it for too long and I'm just being ignored
Product: Debt collection

I paid this debt and the debt collector promised that once I paid the debt they would remove the item from my credit report. They did not honor the agreement and only updated it as paid
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave verbal or written consent allowing the following items to report on my credit report. I am also a victim of the XXXX data breach. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This are the accounts that are inaccurate OPP Loans account number : XXXX ; XXXX XXXX XXXX Account number : XXXX ; XXXX  XXXXXXXX XXXX XXXX  XX/XX/24 ; XXXX XXXX XXXXXX/XX/24 ; XXXX XXXX XXXX XX/XX/24 ; XXXXXXXX XXXX  ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX Group
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain for corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXXXXXX account XXXX XXXXXXXX XXXX Accordance with The Fair credit reporting Act Public law XXXX Title VI Section XXXX, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Debt collection

XXXX XXXX called regarding debt that is not mine. I have asked repeatedly to not be called. Number shows up with no caller id. XXXX XXXX  called at XXXX on XX/XX/XXXX phone number XXXX-XXXX-XXXX Ext XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

I opened a checking account online with Truist, I received a letter a few weeks later that said they were closing my account and returning my deposit. I have called several times to their customer service number asking for the account to be fully closed and my deposit returned, I was told they were unable to close the account, talked ti a supervisor and they transferred me to another department and after holding for almost an hour, it was a wrong department. I was told ti go into a physical location. I went into a branch in XXXX Fl to close the account and get my deposit back, I was told they were unable to close the account and couldnt refund my money and that Truist had charged me account fees, that couldnt be refunded. They said their fraud department internal numbers were down and they couldnt do anything. Said to come in an another day to try again. This is unacceptable, I deposited {$50.00} in the account, they semi closed it and now are charging me {$12.00} a month for an account that I cant use. I requested an official complaint to be filed both on the phone and in a branch, but wasnt taken seriously.
Product: Credit reporting or other personal consumer reports

Requested four times the company 's verify the accounts with physical verifiable proof with my signature on documents via mail. The company 's or credit agency never sent any proof via mail stating anything just ignored my request multiple times. I am sick and tired of being ignored so I'm filing this complaint to try to get justice as a consumer with rights. I will upload proof of my documents I sent in to them and they never replied or contacted me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. Wells Fargo also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However Wells Fargo continues to report his credit card debt incorrectly to XXXX  which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 
Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. Wells Fargo has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported late payments when loans were either in forbearance or deferral status. XXXX loans have been affected.
Product: Credit card or prepaid card

Hello, Please see the attached XXXX XXXX document. I've provided a very detailed description there so I don't run out of space here, and also so I can mail the copy of the complaint to Capital One. This is about invalid/illegal fees that were assessed to my account and also ruining my excellent XXXX credit score. 
Briefly, Capital One system has put an email block on my account due to inactivity, so they haven't notified me of a payment due for 2 billing cycles until finally they have sent a paper letter. Now they want me to pay the late fees and interest charges for a delay that they have caused themselves. Also, they have blocked access to my online account for no apparent reason.
Product: Mortgage

Green Tree Servicing , LLC. XX/XX/XXXX-Present Green Tree Servicing deceptive business practices against us in connection with our loan related to but not limited to deceptive servicing practices, deceptive and harassing collecting practices, deceptive and unfair credit reporting. deceptive acts and practices regarding and related to our short sale including an XXXX hour demand upon us and forcing us to pay an additional large sum of money in the approx. amount of ( {$9700.00} ) before Green Tree would release their lien, jeopardizing one short sale and in violation of negations with us and our lawyer for the short sale of our home ; delay of the short sale ; Green Tree referral of our account to loss mitigation in direct violation of our agreement and false and misleading negotiations with consumer ; failure to report our payments since XX/XX/XXXX to any credit agency ; intentional and malicious interference with our correcting inaccurate credit reporting with XXXX, failure and refusal to provide any us with any statements, payment history after numerous requests ; failure to abide by written short sale agreement and reported as loss mitigation ; false and misleading debt collection practices at our employment and home ; refusal and failure to recognize our joint written agreement related to short sale ; early morning and late evening harassing phone calls. The following documents are key documents regarding the actions described above but are not limited to the following and incorporated herein by reference. Affected consumers attempted to upload such documents and did experience problems with same:1. XX/XX/XXXX Payoff Agreement between Green Tree and affected consumers. 
2. XX/XX/XXXX letter from XXXX XXXX, XXXX. to XXXX XXXX, Green Tree. 
3. XX/XX/XXXX HUD-1 Settlement Statement - {$9700.00}. 
4. XX/XX/XXXX letter from Green Tree to affected consumers - affected consumers account turned over to Recovery Department - Loss Mitigation. 
5. XX/XX/XXXX recorded Partial Satisfaction of Deed of Trust. 
6. XX/XX/XXXX letter from XXXX XXXX, XXXX. to Green Tree. 
7. XX/XX/XXXX letter from XXXX XXXX, XXXX. for Credit Reporting agency dispute of reporting by Green Tree. 
8. XX/XX/XXXX letter from XXXX XXXX XXXX to XXXX dispute of reporting by Green Tree. 
9. XX/XX/XXXX letter from XXXX to XXXX XXXX deleting Green Tree reporting to agency. 
10. XX/XX/XXXX letter from Green Tree regarding affected consumers attempts to resolve inaccurate reporting.
Product: Checking or savings account

I opened a Chase savings account connected to my checking account. Rules were if I set up an automatic transfer from checking of {$25.00} or more per month there would be no fee. They asked for a name for the transfer I supplied XXXX. 
These appeared as XXXX XXXX for a couple months - {$100.00} of every deposit In XX/XX/2024 there were 5 such automatic transfers, only the description changed to Online Transfer with the first XXXX transfer and that has continued into XXXX. 
On XX/XX/XXXX my account was charged a $ XXXX  Monthly Service Fee. 
After a long time on the phone with them, including a transfer to a supervisor, I was eventually told that I was charged the fee because my transfers appear to be one time online transfers and not automatic transfers with no explanation as to why they are still coming out automatically on the date of every deposit and not initiated online by me - its still Chase doing them, but the supervisor refused to admit this or offer any help as to how to fix it. 
She said she was reversing the fee as a courtesy and also that she was initiating an investigation but refused to tell me ( when I asked ) whether or not Id be told the results of that investigation. The most she would commit to was to put a note in that Id requested to be informed. 
She was unable or unwilling to offer any idea how to fix it going forward. 
Honestly I care far less about the XXXX  dollars than I do about this nagging suspicion that a whole lot of Chase accounts have this happen after a few months-when people arent paying attention any more as its clearly a programming issue on their end She also, by the way, blew off my question about where in the government I could complain about this by saying they would file that complaint for me.
Product: Money transfer, virtual currency, or money service

Hello, I have sent money ( amount of XXXX USD + Processing fee of XXXX USD ) for my family 's medical assistance in XXXX on XX/XX/2023 from XXXX XXXX located on XXXX XXXX XXXX, XXXX, NC XXXX via Ria Money Transfer service using my debit card. The transaction was cancelled and was not delivered to my family. on XX/XX/2023 I directly called Ria Money transfer telephone number and asked them to re-attempt the cancelled transaction over the phone, which they did and I was assured the money will be delivered next day. The money was not delivered this time either and the transaction was cancelled for the second time. I was told by Ria agents that I will get a refund of the original amount within 7 - 10 business days on my debit card. The last transaction attempt was made on XX/XX/2023 and I have not received my refund even after waiting 10 days. I have called Ria money transfer Settlement department and lodged a complaint ( Case Number XXXX ) and they assured me I will get my money back with in two days which I did not. I have confirmed from my bank that there is no pending deposit from this particular agent. No matter how many times I call this agency, I am being lied to on a daily basis. This is a hard earned money That I trusted this agency to deliver and was robbed on a broad day light. I am reaching out to your bureau to intervene and help me get my money back. 
Best Regards!
Product: Checking or savings account

Paypal XXXX XXXX has taken XXXX from my checking account without a court order or my permission. The paypal purchase protection totally Breached there own contract with me in Purchases I made on XXXX and paid with My Bank Debit card I ordered XXXX orders from XXXX thru XXXX when XXXX of the orders never showed up I contacted Paypal to get there help, a email from Paypal usually gets the seller to refund or ship the item. The response I got from paypal is just plain wrong. They told me that I would have to seek help outside of Paypal when I used Paypal to pay for these orders. The next thing they did was real sneaky they locked me out of my account and that made looking at the payment history impossible. They refused to allow me access to my account history and These orders were charged on a Paypal Credit account. Then I needed to get a refund from XXXX XXXX XXXX and I posted my new debit card on paypal they let me do that and were real rude about it and made it very hard to get my XXXX back from paypal but I got it. I then had a XXXXXXXX XXXX XXXXXXXXXXXX XXXX and was very XXXX  for XXXX  years during this time paypal took my debit card and started taking money from my bank in the amount of XXXX each month and I was unaware they were doing this and I just found out from the synchrony bank who had bought paypal credit but the billing was still thru the Paypal my account which they after the refund locked me out again. They took over 12 payments of XXXX over XXXX and they were way out of line and breaking the law. In MN the statue of limitations for a crime like this is 7 years and it has not yet been 5 years. During that 12 months I overdrafted every month and some time as many as 6 over drafts in a month. I XXXX XXXX XXXX but could not understand why this was happening. The XXXX XXXX  got ahold of me and because of the high number of over drafts all of the sudden asked me to get a checking account from another bank. I did. They stole money from my account and made paypal credit payments and I was not on auto pay and they had no court order or my permission. Talk about fraud fist they dont at all help me with the orders and then steal money from my account. I want this money returned to me without delay I just found out about this.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please  evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the student loan be removed and old addresses be removed from my report that is missing information and is reporting inaccurate information on XX/XX/2018. They didn't remove them even when 30 days passed.
Product: Mortgage

On XX/XX/2024 Village Capital Investment our current mortgage lender reached out to us offering a program to refinance for a lower interest rate through the FHA. They stated that we did not need to do the paperwork or income verification just sign documents they would send over. They also stated that we should not make XXXX mortgage payment until closing and we would be able to skip XX/XX/2024 payment. 
We signed all the documents send over by XXXX XXXX on XX/XX/2024. 
On XX/XX/2024 XXXX reached out to us and stated we need to make XXXX 's payment because the paperwork was delayed for the closing. We would hold XXXX until closing and skip XXXX 's payment. We attempted to make the payment but Village Capital was forcing us to include late fees which we should not be accountable for. I reached out to XXXX on several occasions regarding this matter. Him nor anyone in Village Capital Customer service or loan department has returned calls or emails regarding this refinance and has since reported us late to the credit bureaus. The loan department abonded our application and file leaving us with late fees on our account and negative reporting our credit report. 

The loan official XXXX finally contacts us after XXXX months of no communication to tell us that they wont process the refinance because we had a 30 days late payment in XXXX when they told us not to make the payment.