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

On XX/XX/XXXX, I got an email from PayPal saying I can no longer use my account. My account was permanently limited and all my money ( {$7500.00} USD ) was put on hold for 180 days. 

In the email it mentioned Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, those relating to transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs.

Transactions that support pyramid or Ponzi schemes, matrix programs, or other " get rich quick '' schemes or multi-level marketing programs are all against PayPals AUP which means PayPal will fine me {$2500.00} per violation and take all my money based on FALSE accusations. 

I reached out multiple times to support trying to understand and get answers but I just get super vague and general answers. 

I have NEVER been involved in any of the things PayPal mentioned. All my invoices are labeled clearly. I have a social media marketing agency and we help people grow their accounts. 

I asked PayPal for proof or evidence about this violation but as I said they just kept sending super vague statements that didnt address my issue. 

I ONLY want my funds back. I do NOT want to continue using their service. PayPal have falsely accused me of something and because of there malicious AUP policy now they can fine me ( steal my money ). 

My account history is clean. Not a single chargeback/dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXt XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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 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 XXXX
Product: Debt collection

I am not liable for these debts ( attached ) with these collections company. I've reached out to each one of these companies numerous times for a contract between them and me. They've yet to reach out to me with a signed contract between myself and them. I do NOT have a signed contract with these companies. They're invading my privacy! Correction to my credit report, I demand that these fraudulent/inaccurate accounts be removed from my credit report IMMEDIATELY. 

Thank You! 
XXXX XXXX
Product: Student loan

For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX   loans with XXXX XXXX and they made the payment to UASXXXX  on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX  to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX   instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.
Product: Credit reporting or other personal consumer reports

A copy of the loan agreement still has not been provided to prove debt. 

XXXX Original complaint CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX Lexington Law Credit Repair Services took out extra monthly fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to review my credit report with all three credit bureaus and the only one I'm having success with is XXXX. Experian and XXXX will not allow me to review my credit report or file online. I provided correct information when verifying who I am and its still not working, I have sent identification, ssn information, utility bill to Experian and XXXX. These two companies are not following the rules. Also, I requested in writing to have ALL the fraud alerts removed from my credit file immediately and it has not happened. I would like for this to happen immediately. Please and thanks
Product: Money transfer, virtual currency, or money service

On XXXX by mistake transfer {$1000.00} to someone I dont know but is on my XXXX list. With XXXX I found out is wrong, I try to contact the Bank of America XXXX but is too late, Bank already cly. The next day I went to the Bank Of America, they told me chance is very slim and ask to contact XXXX XXXX
Product: Debt collection

After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer report. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE XXXX XXXX, XXXX XXXX. & EQUIFAX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL 3 OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL 3 AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN XXXX CONFIRMATION FROM EQUIFAX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL 3 CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE XXXX AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
Product: Debt collection

I have never signed anything with this Capstone Credit. This has to be a mistake. I do n't know this company nor do I know that amount. If you could help me I would truly appreciate it.
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 Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX  XXXX. XXXX. Please correct and update.
Product: Credit card

I noticed a unauthorized charge on my Fortiva card for XXXX and I attempted to call the XXXX to dispute the charge and the computer hangs up on me. 
I called Fortiva customer service and they told me to call back tomorrow as they was unable to help me when I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted equifax credit bureau on numerous days XX/XX/2021, XX/XX/2021, and XX/XX/2021, they have my credit report locked with inaccurate information including removing a fraud alert from my account making it hard for lenders to issue credit lines to me. i have no issues with other bureau companies except these idiots. i have called numerous times and they have either lied about receiving my documents to allow me to get into my account and i'm fed up the next step is legal action because this is ridiculous. they have caused so much stress with this situation and now they're still requesting for personal identifications which i don't trust sending again because they have just received a security breach lawsuit against them. these people are not trustworthy credit bureau who needs to be out of business. they're lack of concern for consumers is ridiculous. it is a shame that i must submit a complaint against this company in order to have my account unlocked which they have also anonymous inaccurate security questions that don't pertain to me at all and now i'm unable to login to my account because of this.
Product: Credit reporting or other personal consumer reports

Here 's a template for a dispute letter addressing civil liability for negligence and non-compliance, which you can customize to fit your specific situation : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XX/XX/year>. 

Experian/equifax Subject XXXX Dispute Regarding Civil Liability and Non-Compliance Dear equifax/transunion I am writing to formally dispute the claims related to civil liability negligence and non-compliance as outlined, credit reporting errors. I believe that the assertions made are unfounded and do not accurately reflect the circumstances surrounding this matter. 

According to the provisions of section 60810.

Furthermore, I would like to highlight the following points : 1. Negligence 2. **Non-Compliance In light of this information, I request a thorough review of this case and the evidence presented. I am prepared to provide any additional documentation or information needed to resolve this dispute amicably. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX ---
Product: Debt collection

I sent a debt validation letter to the company IQ data international on XX/XX/XXXX of XXXX  and never heard back from them.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I went to Speedy Cash at XXXX XXXX XXXX, XXXX, CA XXXX. I m a returning customer who requested a payday loan, but the store representative could not locate my account. She created a new file and had me complete a new application. I was advised by the store representative that a soft pull would be conducted on my credit report, and I would not receive a hard inquiry if I turned in an application. I found out weeks later that I did receive a hard inquiry under the name XXXX XXXX, also known as Speedy Cash. I went back to the Speedy Cash in XXXX and told the manager XXXX what happened. She also stated it should have been a soft pull. I told XXXX if I knew there would be a hard pull, then I would have never applied because I can't afford any inquiries at this moment. 
She provided me with the Corporate phone number XXXX, and the email : XXXX. I called and spoke to the representative XXXX XXXX and explained the situation. I was assured by the representative that the hard inquiry would be removed due to the nature of the incident. As of XX/XX/XXXX, the inquiry remains on Equifax. 
The remedy I am seeking is to have the inquiry removed from all credit reports.
Product: Mortgage

Dear Madam/Sir, upon receiving an email last Friday XX/XX/2021, I visited the XXXX XXXX California County XXXX XXXX XXXX website. I found that a property that I own at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was listed as ( Defaulted Parcel No. XXXX ). Last year at this same time, Freedom Mortgage XXXX XXXX XXXX XXXX, TX XXXX failed to pay the taxes due on this my property. I have never been late on any mortgage payments and the said taxes should have been paid out of my escrow account by Freedom Mortgage company as they are in charge of servicing my mortgage account. I phoned them and requested that they pay my taxes. They did so, however my account was, and is noted in default on tax record as of XX/XX/21. 
Taxes are due again as of this date, and have not been paid again. I retired from flying worldwide supply and support missions with the Department of Defense for the US military in XX/XX/XXXX of this year. I am now unemployed and collect only XXXX XXXX each month. If this irresponsible practice of failing to pay my taxes on time by Freedom Mortgage is allowed to continue, the damage to my good credit standing is at risk of being irreparable, and is now adversely affecting my life.
Product: Debt collection

I saw a credit collection on my credit report from Penn Credit Corporation This is a debt that was tried to be collected by another company. 
I contacted the previous company to get more information and that company failed to provide any information. The debt was removed and now this company is showing on my credit report. 
I contacted Penn Credit Corporation on XX/XX/2021. I spoke to a XXXX, who was very unprofessional and asked me for my personal information over the phone, social security, address, etc. 
I responded by saying, if you are trying to collect a debt, you should have that information already, I'm not giving it to you. 
I confirmed the last XXXX digits of my social security number and then, she proceeded to very unprofessionally ask to pay the debt. I said, I would be willing to look at a formal correspondence from this company about the debt to be collected. I asked if she had my address and she said she did, which was correct. I asked them to send me a letter specifying the debt and whatever terms I needed to adhere to. She did not mention anything about what my obligation were in regard to disputing the debt or any other information. 
I did not receive any written notices about the debt or any other communication. 
The debt collector mentioned above did not provide any of the information they are required to provide and they did not send any written documentation after that call, as they are required within XXXX day. I requested the written notice and still did not receive anything, over a month ago.
Product: Debt collection

I have asked Experian to verify the method and procedure to my disbutes I received as " verified ''. I have received no response Account for example Report Number XXXX Date Generated XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

( 4 ) four unauthorized inquires was placed on my credit report. I did not give or the Capital one permission to report on my credit report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with ANY OF THE MENTIONED INQUIRIES IN QUESTION.
Product: Student loan

In XXXX of XXXX I lost my job and was not able to make student loan payments. My parents cosigned for the loan but their finances were nowhere near good enough to support the ludicrous {$1300.00} a month payment ( which at the time was double my rent ). After paying Navient for a deferment and regaining employment in XXXX of XXXX I discovered that the deferment did not prevent me from going into default and that Navient still expected me to pay the unsustainable loan amount. In XXXX of XXXX Navient reached out to me after I had been deliberately not paying the loan since XXXX because they refused to negotiate and finally offered to go onto a Reduced Rate plan. This was based on my parents ( as cosigner ) and my own debt-to-income ratios. The agreed upon payment was {$530.00}. This was a payment I could afford and the plan was good from XXXX of XXXX through XXXX of XXXX. They informed me that I would have to reapply for the Reduced Rate plan on a yearly basis. We just provided them with our financial information, which has not changed at all from the prior year, and it was suddenly determined that I no longer qualify and am now responsible for a {$900.00} a month payment - a $ XXXX/month increase! This is just yet another example of Navient 's terrible customer service and bait & switch tactics. No one in the company knows policy, they just make up the rules as they go along and faceless departments decide who is capable of paying what.
Product: Debt collection

Found I had a collection on my account called the collector and asked for the original statement. I was told that they did not have it and that they did not own the debt. They refuse to send any documentation of the debt. They also have not even sent any thing for what I owe or any bill what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly  categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.