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

Dear CFPB Support Team, I am writing to appeal the ban on my PayPal account, which has been active for the past 9 years without any disputes, chargebacks, or warnings. My account, which is fully verified with all my information, was banned suddenly and without any warning or discussion. As a long-term PayPal user XXXX I rely on this account for my daily bill payments, and I feel that this ban is unfair and unwarranted. 

I am willing to provide any necessary documentation to validate my transactions and to address any concerns that may have arisen. I believe that my account has been wrongfully banned, and I am requesting your assistance in getting it reinstated as soon as possible. 

I appreciate your attention to this matter and your prompt response in resolving this issue. Please let me know if there is any additional information I can provide to help expedite this process. 

My PayPal account email is XXXX Thank you for your time and consideration. 

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

According to 15 USC 1681c-2, my credit report is inaccurate due to unauthorized inquiries. These entries are impacting my score. Please delete them promptly.
Product: Debt collection

Caine and Weiner has violated my Federally protected rights. I sent the attached Notice and they failed to comply. I am aware of the fraud your company is committing. Pursuant to 15 USC 1692 a-3 I am not obligated nor responsible to pay a 3rd party debt collector. I am aware of my SSN belonging to the Social Security Administration and anything purchases with that identifying number is an obligation of the United States according to 18 USC 8 and being that you are attempting to collect on debt that aroused out of transaction that was used solely for personal, family and household purposes making you guilty of the False Claims Act 31 USC 3729-3733. I will report your company to the Federal Trade Commission ( FTC ) as they prohibit holders and purchasers from selling and purchasing consumer credit contract you are violating CFR. 433.2 using deceptive and fraud practice to collect on an alleged debt. You are now on Notice to Cease all Communications from me From all Mediums which medium includes my consumer report. Failure to comply will result in Legal Matters in Federal Court and reporting your deceptive, fraud practice to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is posting accuracies on my credit report and legally MUST be removed. I have attached a copy of my credit report, the exact disputes needed to be removed as they are unverifiable, and the last piece is that these accounts are in violation to FCRA.
Product: Checking or savings account

Myself, my corporations, my wifes checking accounts and savings accounts were closed after being an active customer with the bank for over 10 years in XX/XX/2019. Many calls were placed to find a reason. Our accounts were not over-drafted or dormant. The representatives stated that we will never be eligible to open an account again. We are not blacklisted on XXXX.
Product: Credit reporting or other personal consumer reports

f you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of 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 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

These aren't mine ... please remove it.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to
Product: Checking or savings account

Santanderbblocked my account as a new customer while funding my account and wont unblock
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; TD RETAIL CARD SERVICE is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : TD RETAIL CARD SERVICE XX/XX/19, XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. TD RETAIL CARD SERVICE is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Product: Mortgage

A third party calling on behalf of Bank of America continues to call my mobile phone even after numerous denials of consent to do so. The third party has left multiple voicemail messages with statements insinuating foreclosure activity even though my account is still within the grace period.
Product: Checking or savings account

Wells Fargo is again manipulating post to my account. Since XXXX XXXX they have taken 35 fees of XXXX XXXX out since XXXX XXXX. That is or XXXX worth of fees. I was one of the victims which they were opening up accounts I never 0pened. This is flat crazy.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing this to ask you to remove this collection from my credit report since it a fraudulent. I attached the document that was sent to my attorney from XXXX XXXX XXXX. The signature on the contract was forged by the salesman, and the personal check is fraudulent. At the end of the document, you can see my signature on the certified letter to request the paperwork. I also attached a copy of my driver 's license for you to verified my signature. This is a fraudulent contract and an invalid contract.
Product: Student loan

I have XXXX loans with Navient right now. One is categorized as a direct unsubsidized loan, and the other is categorized as a direct subsidized loan. Navient is claiming that those loans are XXXX the same and have altered payment history to favor interest payments even when I specify principal reduction payments. They have gone so far as to reverse payments and increase my loan balance only to re-allocate payments again to increase interest payments and inflate my outstanding principal. They keep claiming that it is not them that is taking this action but the department of education which is a false statement. I created a login with Federal student aid to verify if Navient 's claim is true and it is not. It is recorded as XXXX loans. Even the automated letters from Navient claim I have multiple loans and I did recieve correspondence indicating that they were changing my loan due dates to match up for my " convenience ''.
Product: Debt collection

ON XXXX THE COMPANY LVNV FUNDING LLC/RESURGENT CAPITAL SERVICES, WAS SENT COMMUNICATION VIA WRIT REQUESTING FULL VALIDATION OF DEBT ( REFERENCE # XXXX ). I REQUESTED THAT LVNV LLC AND ITS AFFILIATES RESURGENT CAPITAL, ET ALL, NOT CONTACT ME VIA TELEPHONE- EMAIL- AND RESTRICT CONTACT TO MAIL VIA U.S. POSTAL UNTIL THEY CAN PROVIDE VALIDATION DOCUMENTATION. ON XXXX I WAS SENT CORRESPONDENCE STATING " ACCOUNT SUMMARY WHICH PROVIDES VERIFICATION OF DEBT ''. 
THIS REPORT SUMMARY IS NOT PROOF OF OWNERSHIP AND THE RIGHT TO COLLECT ON THE DEBT. 
I WAS COMMUNICATED WITH AFTER A CEASE AND DESIST WAS REQUESTED IN THE LETTER. 
THEY FAILED TO PROVIDE ME WITH A PURCHASE AGREEMENT WHICH WOULD LET ME KNOW WHO HAS HAD OWNERSHIP OF THE DEBT. HOW THEY CAN COLLECT ON THE DEBT AND IF THEY CAN SUE ON THE DEBT. 
PROOF THAT THIS DEBT HAS NOT BEEN WRITTEN OFF AS A TAX LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : AMEX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX xxxx XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX  / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 at XXXX i deposited {$280.00} cash to my checking account. The receipt said it's on my account and available. I logged in to my online account and it is not available. After calling in the said I have to wait XXXX hours. They also stated that it was made after cut off time and the business day was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitted this complaint today due to the above referenced collection agency ( Asset management/ nationwide recovery Amount is {$820.00} Opened! XX/XX/XXXX ) making no attempt work with me on resolving this debt that should not exist. During the dates that this debt is said to of occurred I carried state medicaid and provided my medicaid card during any all medical visits which is on file. I have disputed this debt and it remains on my credit report ( XXXX  ) although the collection agency has yet to verify that I am responsible for the debt with a agreement having my signature on it or any hippa papers that should have been signed. I also request that the collection agency show proof that I signed a medical authorization form giving them access to my records along with thier license authorizing they follow all Hippo Laws or of which would be relevant. I have made contact with this company to resolve the debt and the company refused to work with me or settle. The only reason I can think that this company would not settle with me is because I do have good credit without any other collection on my report besides that this company. My boyfriend has a debt with this company with poor credit and the company settled out for a 1/4 of the bill. This is affecting me financially and especially during this pandemic where I am out of work. It has been a constant burden causing me severe XXXX where I've had to reach out for medication for my XXXX I request that the debt be immediately removed from my credit report with all 3 Credit bureaus or provide the requested documentation immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted via text by a gentleman and he informed me I could make $ XXXX just by playing a simple game of completing 3 task per day. If I did this for 5 consecutive days I could collect the {$800.00}. I needed assistance in paying my car note so I decided to do it. He provided his link to start me off and I won about {$450.00} + commissions. He let me have the commissions which was enough to start my own link. He them had me sign in to XXXX XXXX XXXX and sign up. Once I did this I was playing on my own with his assistance. He stated that he would make sure he would not leave me until I knew what I was doing ( all via text ). I won maybe {$200.00} and then by the end of the week I was owing this site {$5900.00}. I contact him and he told me just wire them the money and everything will be alright. I first wired {$5900.00} on XX/XX/XXXX it was a Monday because I had to wait until banks were open. I started playing again and then it hit me again. I owed {$7400.00}. It took me over 2 weeks to gather the funds. I had to take ( 2 ) loans out and it was again on a weekend. I deposited it on a Monday and started playing. I hit a another tragedy which I owed them {$23000.00}. By this time I did not know what to do and I finally was able to get the money once I got a loan from my XXXX plan. It was on XX/XX/XXXX. I wired the money and later that day I restarted playing. I had one item left to complete in this task. I completed. It stated I had approximately {$92000.00} in funds I had won. I immediately hit the withdrawal button. I waited for several hours and never received anything. I contacted the Customer Service for this XXXX  and I was informed that I had waited too long to complete my task therefore, they were holding it. I would have to pay them {$35000.00} in order to receive my money. 
This is just a scam. They just want me to continue to send them money and I never get anything in return. 

The money was wired to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On my credit report I have a closed account with prestige financial services also known as pfs. Well the account was closed XX/XX/XXXX. Well there reporting it was closed on XX/XX/XXXX which isnt true. Also the account was written off. On a closed account they arent supposed to be accumulating interest or late payments since the account is closed. Under FCRA it is in Inaccurate and must be corrected or taken off my credit report. Also According to the IRS and debt over {$600.00} the company is supposed to send you a 1099-c which I havent gotten under the consumer laws
Product: Debt collection

On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Product: Mortgage

I purchase a home in 2022 and the appraisal came in at {$770000.00} when we bought. I currently owe about {$620000.00} on the home. I called into XXXX to get my PMI removed on my home. On their home value estimator online our property values at {$820000.00}. So I decided to inquire and I paid them {$150.00} for an appraisal fee, they sent someone out to look at the home and he sent them back documents that said our house is worth {$680000.00}. I submitted a dispute and have gone back and forth multiple times with them and they said I needed to submit XXXX comparable homes. So I did that and they came back and denied by dispute because they said the homes are out of market range and that the GLA on my home is less than the other homes because of unfinished basement I have. I decided to reach out to see how much finishing our basement would raise our value since we are in a new development. When I spoke to a member of their XXXX team he said that I could borrow {$80000.00} and my home is worth {$820000.00}. He even said that I should get my PMI removed since I have so much equity. I questioned him because I just went through the process and they told me my home wasnt worth that. He said it had a confidence rating of XXXX and they look for anything XXXX and under so he was almost certain my home value was closer to {$820000.00}. I asked for his help and he directed me to multiple phone calls to which it ended that they said their PMI department doesnt take phone calls and XXXX XXXX Texas XXXX review it in the online messaging center when he has time. I told them I need to speak to a XXXX or someone and they kept telling me no one in their PMI department takes calls. I submitted requests on their online portal to ask why they didnt consider the XXXX comparable homes I submitted and they said they were out of market area or GLA was different. I asked quite a few questions to see what is considered in market area and appropriate square footage, etc. and they told me only a licensed person could answer that and they couldnt help. So I tried to call and speak to XXXX of their licensed agents and they continue to say no one can answer. I have submitted a total of XXXX comparable homes and they have yet to remove my PMI or talk over the phone. 

When I want to borrow money from them the value of my home is {$820000.00}, but when I want to remove my PMI my value of my home is {$680000.00}. Very double standard and frustrating considering no one will even talk on the phone with me to answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized apple hard inquiry on my credit report XXXX XXXX. I called XXXX and they told me I would have to call transunion, I called like 5-6 times yesterday and today and literally no representative wanted to help. I just want the dispute removed because its hurting my credit score and I wasnt the one who gave my accounts that hard inquiry