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

XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved. To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.

They previously denied my complaint stating that my account is not in the US therfore they can not do anything. However, my account balance is in USD, and my company is registered in the USA also.
Product: Credit reporting, credit repair services, or other personal consumer reports

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Product: Checking or savings account

Wellsfargo Happened about XXXX  years ago XXXX  XXXX : was all my investments very large amount I never got single document cause of postal sabotage XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Social Security XXXX Driver License XXXX XXXXXXXX It's was a joint account.
Product: Mortgage

We were unable to get our payoff amounts from RoundPoint Mortgage in a timely manner. We tried multiple days to get this information. As such we paid enough to cover paying off the principal. We later received the payoff and were {$0.00} short in interest and a {$5.00} recording fee. The paperwork states that a shortage will be considered as instruction to use the escrow to cover the shortage and close out the loan. When I checked the funds were not even applied to our principal so we are accruing interest on a balance while there is more than enough of our money to cover it. I called and was told that they could not apply the funds because it was not the exact payoff amount, even though their own paperwork says otherwise. Was told over the phone there was no one who could fix this even though they have {$1800.00} and {$2500.00} in escrow funds. This is unethical, and against their own published paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Bank account or service

State employees credit union of NC has an account that 's not mine.
Product: Debt collection

XXXX XXXX sent an account to collections after sending the bill to the wrong address and failing to notify me. I own a rental property in XXXX, XXXX. I signed a Landlord Agreement stating that XXXX XXXX can send bills to me when a tenant moves out ( to avoid service interruptions ). At the time I signed the Landlord Agreement in XXXX, I was living in XXXX, and requested the bills go to that address. I moved to XXXX XXXX  in XX/XX/XXXX. According to XXXX 's records, I called in XX/XX/XXXX notifying XXXX a tenant was leaving the rental property and asked that the bill be sent to XXXX XXXX. Nonetheless, XXXX sent the bill to XXXX. I never received notice of the bill and XXXX ultimately sent it to collections in XX/XX/XXXX. No attempts were made to reach me at the email address and cell phone number I listed on the Landlord Agreement ; I only learned of the bill when I received an email stating there was a change to my credit report ( I still have never received a copy of the bill ). I immediately contacted the collection agency and paid off the bill, but I still have a negative mark on my credit report for the account being sent to collections, which has dropped my credit score ( it doesn't matter that the account was paid because it was reported that it was sent to collections ). I have repeatedly contacted XXXX, the collections agency ( Contract Callers ), and the credit reporting agencies seeking to have any mention of the debt collection removed from my credit history because I never received the bill. 

In sum, despite my call asking that any bills be sent to XXXX XXXX, XXXX sent the bill to XXXX. I am seeking to have any mention of this debt collection removed from my credit history because I never received the bill.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification credit acceptance account number XXXX XXXX account number XXXX XXXX  account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the two credit report agencies, Transunion and XXXX to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

Transunion and XXXX did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.
Product: Credit reporting or other personal consumer reports

Hi CFPB I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- Investigate disputes within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has negligently failed to comply.

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This negligence is a direct violation of the FCRA.

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has failed to properly investigate the issue, leaving the incorrect record on my report. Under 1681i, they are required to conduct a reasonable reinvestigation into disputed information, which they have negligently failed to do.

TransUnions negligence in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their negligent practices, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions negligence has harmed them as well.

Thank you for your time and attention to this matter. 

Thank you! 
XXXX
Product: Credit card

I noticed that there was an interest payment on my American Express credit card for the last few months. I have been making payments but I was never notified of the running balance. American Express never notified me by email or sent me a statement that I was only paying the minimum payment. 

On all other credit cards, I always pay the statement balance. I am not sure how it is possible American Express is only taking the minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!
Product: Credit reporting or other personal consumer reports

I am writing to formally contest a series of errors, discrepancies, and unfamiliar accounts that have emerged on my credit report. After a thorough examination of the information provided by your agency, I have identified the some inaccuracies. 

See attached letters for the details :
Product: Debt collection

I had had my identity stolen and I was ON XXXX VICTIM OF A CRIME. 
PLUSFOUR INC XX/XX/XXXX Completed PLUSFOUR INC Reported on XX/XX/XXXX {$570.00} Account Details Last Reported XX/XX/XXXX Collection Agency PLUSFOUR INC Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$570.00} High Balance {$500.00} Remarks Dispute resolved ; customer disagrees Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The creditor agreed to remove this account from my file. 
Insurance paid this account late. Please remove late payments.
Product: Credit reporting or other personal consumer reports

SECTION 605 B 15 U.S.C 5 1681 XXXX, XXXX, EQUIFAX : have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. 

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00}, : XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX ; {$20000.00} XXXX  : returned voluntarily ; voluntary repossession fraudulent inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. Equifax ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address tgis issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has occurred involving these accounts, and under the provisions of 15 U.S.C.

1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the removal of these items from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$3500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$910.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$830.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$970.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$590.00} Inquiries to be blocked and deleted : 1. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card

I signed up for the WYNDHAM REWARDS EARNER BUSINESS CARD by Barclays Delaware. With the signup process there was introductory offer of : " Introductory Bonus Offer : Earn XXXX bonus Points after spending {$4000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 90 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. 

Earn XXXX bonus Points after spending a total of {$15000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 365 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. '' I have reached the first threshold of spending {$4000.00} to receive XXXX Wyndham points, however after checking my statement I only see a bonis of XXXX points. I tried calling customer service and they were unable to resolve the issue nor were they able to escalate it within their rewards department. Attached are two files, one is my statement from last month and another is the pending points when my current statement posts later this month. Note that the pending points are XXXX, XXXX of those points are from general spending and the XXXX points are the bonus introductory points after spending {$4000.00}. XXXX points are short of the terms Barclays and I agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 
1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took out my second loan with the cash store in XX/XX/XXXX with plans to pay it back. I do not remember the exact date because i no longer have the forms. Due to an unfortunate change in jobs and income, i wasnt able to repay the loan as i had planned. Around XX/XX/XXXX their collection agency called me and asked about the money and if i had it. When i said i didnt have the money and i wasnt sure when Id be able to, the guy on the phone immediately threatened to sue and said i could go to jail. Now on XX/XX/XXXX, i received a call, not even sure from who. Threatening to take me to court unless i decided to make a payment arrangement of some sort. The lady on the phone not only had an attitude, but after i said i didnt plan on going to court. She explained that they would take me if i didnt make some sort of arrangement and when i said okay she immediately said we are going to take this to court then, thank you. Bye and hung up the phone. Im not sure if this a scare tactic or an actual problem.
Product: Credit card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these inquires that appear on my credit report XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX Inquired on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX