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

Dear PayPal Global Customer Complaints & Advocacy, This is XXXX XXXX, and I'm reaching out get help in disputing my parmanently limited PayPal account. I had previously filed a complaint with Better Business Bureau ( complaint XXXX ). I hope you understand how frustrating it is when your account has been permanently limited and the inconvenience this may have caused.

Below is the reason I was given as to why my PayPal account was limited after considering several factors as at XX/XX/year> ; Your account was accessed using an anonymizing proxy service, which is a restricted activity as defined in the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement. Anonymizers attempt to make activity on the internet untraceable and make preventing fraudulent account activity difficult for PayPal. Additionally, this type of activity can be indicative of unauthorized activity.

Your account shares information with multiple accounts with limited access. We can confirm that the accounts share a combination of the following : phone number, address and login information. 

My response to this is that ; - I did not know that my proxy was on when I logged into the PayPal account, at times I am in a rush to withdraw the cash or send it and forget to close the proxy. This is my fault, to resolve this I will remove my proxies and be keen next time I login to my account. 
- I had shared my login details with my brother as a friend of his had sent him some money and I was buy and could not check it for him thus gave him my login details to reduce stress on my side. I assume that he continued to log in without my permission. So as to resolve this I will change my passwords and not share will not share the details with anyone. 

As a result, my account was limited and requested that I provide us with your photo ID, bank statement, and explanation of your activities. 

On XXXX XXXX, I provided the required information. 

On XX/XX/year>, PayPal reviewed your account and decided to place a permanent suspension on your PayPal account and no longer provide our services to me. This permanent suspension applies to all current PayPal accounts held by you or any further accounts you may open in the future ; this information I did not know because later I opened a new PayPal account XXXX which was later permanently suspended. 

I would really like to get help so that my PayPal ban is lifted because there are no better websites than PayPal and I would really hate it if I would loose it. 

Sincerely, XXXX XXXX.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Debt collection

I write to express my profound dissatisfaction with the inadequate validation of certain items on my credit report. Upon meticulous review, it is evident that the provided information is insufficient to validate the associated debts. The following accounts are particularly troubling, as the details provided fall short of the necessary standards for proper validation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is noteworthy that the other XXXX credit bureaus have already removed these accounts from their records after acknowledging an error. I find it perplexing that you claim to have verified this information while the others have promptly corrected their records. Your non-compliance with these rectifications is not only baffling but raises concerns about your adherence to the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. XXXX XXXX CT CA XXXX XXXX Date Filed : XXXX.
Product: Credit card

I have a Credit card with American Express over 15 years, and I forget to make payment on XX/XX/year> and I got late fee for {$29.00} and I asked American Express to be courtesy for long term customer who use their credit card for decade and they said they can not refund the late fee for {$29.00} this is very ridiculous ... Today I would like to file this complaint to and hope you take card of this matter for me Please.. I would really appreciated in advance...
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. 

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 XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$260.00} XXXX XXXX XXXX BALANCED {$3200.00} XXXX XXXX XXXX BALANCED {$2300.00} XXXX XXXX BALANCED {$240.00} XXXX XXXXXXXX BALANCED {$2000.00} XXXX XXXX XXXX XXXX BALANCED {$1500.00}
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, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( 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 1681 ( s-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 the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to collection agency Wakefield & Associates. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX inquiries on my Equifax credit report all the while these inquiries are not tied to any account showing up on any of my credit reports. I have contacted XXXX via certified mail to no avail. Please have XXXX remove these credit inquiries.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Debt collection

I am writing to formally express my concerns regarding Experian handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Experian numerous times and reporting discrepancies, my financial institution and Experian failed to investigate my claims adequately. The XXXX XXXX findings indicate that Experian has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/XXXX I called Fedloan my servicer to discuss my pending application for renewal. The letter stated it was pending. When I spoke to the lady at customer service she stated it was approved and gave me my new payment amount. She did not state that my deferment was over although I had asked for a 2 month one and she said I was approved. I then removed access to my bank account so they could not take out the auto payment just to be safe. They still did on the 9th without my authorization. This is an illegal access to my bank account and misinformation given to me. No solution
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$590.00XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Credit card or prepaid card

I have had my Home Depot credit card account since 2020. Opened a online credit report service to check my credit score and notice that the credit card account is not being reported into the credit report bureaus. I talked the store about it last year and they said its being reported, but still doesnt appear in my credit reports.
Product: Credit reporting or other personal consumer reports

These credit card applications were applied for fraudulently on the dates listed below and are showing up as Hard Inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently trying to get a VA loan for my recently deceased Grandfather 's property. NewRez mortgage took over my current mortgage in XX/XX/XXXX. NewRez said, there would be a 60 day grace period to get payments on schedule and no late payments would go against my credit in that 60 day period. When the new company inquired about my payment history with NewRez, they responded I had a 30 day late for XX/XX/XXXX but when i call NewRez they tell me that i have no late payments and nothing late will show on my credit. i asked, NewRez to write me a letter explaining that and send to me by email so i can provide this to the new mortgage company. They are insisting they can't do that and keep sending me a payment history. Basically, they keep telling me i have no history of a 30 day late payment and nothing will go against my credit but attached is a form they supplied to the new mortgage company saying i have a 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Consumer Loan

I PURCHASED A CAR THRU XXXX XXXX XXXX IT USED SANTANDER CONSUMER USA TO FUND THE LOAN ... I HAVE BEEN CALLING THIS COMPANY FOR THE LAST 4 MONTHS INORDER, TO RECIEVE A CURRENT STATEMENT ON MY VECHILE LOAN ON A MALIBU CHEVY CLASSIC XXXX I BOUGHT THE CAR BACK IN XX/XX/XXXX STILL MAKING PAYMENTS.. MY ACCOUNT IS CURRENT AND NO FEES OWED ... THEY STILL KEEP LYING ABOUT MY MONTHLY STATEMENTS ..I HAVE TALKED TO MANAGERS.. ECT.. NO HELP I BELEIVE, I HAVE OVER PAID THIS CAR LOAN.. THE CAR SOLD FOR XXXX AND I AM STILL PAYING ... THEY '' SAY I NOW OWE XXXX '' BUT THEY WILL NOT SUBMIT AND CURRENT STATEMENT TO ME AND KEEP LYING SAYING THEY ALREADY SENT IT SINCE, XX/XX/XXXX ... AND I STILL HAVE NOT RECIEVED NOT ONE, COME ON ... THEY ARE RUDE AND MAKE YOU FEEL LIKE YOU ARE THE PROBLEM THAT NEEDS TO GO AWAY ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against a creditor on my credit report about last payments.It was reported I was late XX/XX/2022 though XXXX 2022 of 60 to 30 days late. I disputed those late charges with proof of payment and those late payments was corrected except XXXX 2022. Again I'm sending proof of payment of XXXX, my payment is due XX/XX/XXXX I my payment XX/XX/XXXX according to my bank statement I attached as my proof. I was not 30 days late with my XXXX payment. Please delete late payment and update my report as payed as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting 5 late payment in the Account Summary for XXXX and they are no late payments showing in my credit report. I have requested this correction a number of times and TransUnion refuse to correct the issue. The next step will be a law suit for the sure and I will reach out the Attorney General as well. I have attached supporting picture and you see that Trans Union is the only one reporting this information and effecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXXXXXX XXXX  XXXX XXXX XXXX : INQUIRY- XX/XX/ XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXXXXXX XXXX : INQUIRY- XXXXXXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Product: Checking or savings account

this been so many years ago i just know they was taken unnecessary money so i end up changing my bank account because they would not stop payments so if i do have a check out hear my address have changed
Product: Credit card or prepaid card

I am missing about {$150.00} from my XXXX XXXX debit card account balance. I have all my receipts for the month of XXXX..and my receipts from my online purchases. I added everything together and I found discrepancies with the numbers! My balance is much too low..according to all my receipts and my debit purchases I made for the month of XXXX so far!!! Believe me I have all my receipts for the month of XXXX..and I am missing money!! It may not be as much as {$150.00} but there is some discrepancies somewhere. I need XXXX XXXX to return all money back to my debit card ASAP!! The company hasn't responded..they often hang up on us, ..or are not clear on what they are saying!
Product: Credit reporting or other personal consumer reports

Student loans have verbiage stating payments begin XX/XX/2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS
Product: Debt collection

When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.
Product: Debt collection

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681e ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge-off is being reported inaccurately and is negatively impacting my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported on a consumer 's credit report. 

Based on the inaccuracy of this account and the potential failure to meet the FCRA 's accuracy standards,
Product: Credit reporting or other personal consumer reports

In my latest credit monitoring, I noted a hard inquiry on my Transunion credit report, which originated with XXXX XXXX. Immediately upon locating this error, I lodged a dispute with XXXX XXXX through the CFPB, asking that the hard inquiry be removed. XXXX eventually complied with my request, removing the inquiry from their system, and sending me a confirmation letter for distribution to the credit reporting agencies. However, despite having received this confirmation and being assured that it would be corrected when I checked my new Transunion report, the disputed hard inquiry was still present. I am now required to have this entry removed immediately from my credit report per the previous resolution with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I did not give CITIBANK NA., BEST BUY permission to do a hard credit check on my existing account I have with them. When paying my bill at XXXX XXXX  I click on file in error and tried to contact them when I received an email. I never agreed to a hard inquiry. Under the FCRA, creditors, and lender must have my explicit consent before pulling your credit report for a hard inquiry. I didn't even give them the last 4 number of my SS # This information is inaccurate and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.