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

Dear PayPal Customer Service, I am writing to express my disappointment regarding the permanent limitation placed on my PayPal account, which I believe was a mistake. I would like to submit a formal complaint and appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always conducted my transactions within the boundaries of the guidelines provided by PayPal. Therefore, I believe that the limitation placed on my account was an error. 

I am kindly requesting that PayPal re-investigate my case and restore my account if possible. I understand that mistakes can happen and I am willing to cooperate fully with PayPal in any way necessary to resolve this matter. 

I have been a loyal PayPal customer for several years now, and I have always used my account for legitimate purposes. It is therefore disheartening to have my account permanently limited without any proper explanation. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am available and willing to provide any additional information that may be required to resolve this issue. 

I thank you in advance for your attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I lost acces to my Cash app account due my phone were stolen. I proced to get in contact with the Support department notifying the situation of my account being compromised and the innability of me to sign in, I fallow what was instructed on the website. Durinrg the email exchange I communicate the Representative what happended and the limitation faced with the signin procees. XXXX attempts were done to get back acces to my account during the XXXX of XX/XX/XXXX to XX/XX/XXXX with and without the Support Team of Cash app and many emails and phone calls..After having the IRS involve in the process to get back my account becuase the Second and Third Stimulus Chack were deposit in that account on XX/XX/XXXX finally a Support Member of the company were able to give me acces to the account with the same information requested by the copany in the previos attemps during the XXXX 3 years. Veriying the balance of the account with the information I had at the moment of my first attemp to sign in I noticed money moved transaction by the amount of {$2100.00} from my Cash app Account to a XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I've been getting in contact with the support tema over this transaction but the information provided on their ends is the same answer ... " the transaction was sucessfly '' to a what I keep asking why they do that transaction when I didnt have no acces to that account from XX/XX/XXXX to XX/XX/XXXX and the transaction was done by I dont have a clue on XXXX XXXX. They gave me a transaction number and sended me to go to a XXXX XXXX XXXXXXXX brance to get more information. When I went to inquire about that transaction one of the managers of the branch told me No information can be provided to myself because Im not the ower to the account. Making awere Cash app Support teman representative about what was XXXX XXXX XXXXXXXX work over this problem, Cash app just limit to keep in silence giving me no answer, help or option to get my money back. Most of the time a " Lets see what we can do because Its been almost 3 years of that transactio '' is their line of introduction when I have their attention. Theres no compromise for this company at all with their costummers. They dont offer any rational solution to this error of them with my account.neither honoring their statement of what they promote in the statements sent by them saying the balance of a dispute will be provided to the costummer to be used untill the dispute is solved. The account I have problems with is XXXX XXXX 

At the moment of filling this claim I didnt have with me the drive I have save the screenshots and emails between me and the Support Team to get this problem solved
Product: Money transfer, virtual currency, or money service

I am writing to escalate a critical issue that has persisted for over two months and I've exhausted reaching out to CashApp. My bank mistakenly initiated disputes for three transactions totaling {$600.00} ( {$200.00} each on XX/XX/23, XX/XX/23, and XX/XX/23 ) sent to XXXX XXXXXXXX. 

Cash App subsequently refunded these disputed amounts due to the bank 's error. XXXX XXXXXXXX contacted me directly about the missing funds, and I confirmed the mistake with my bank. My bank has since reversed the disputes, but the refunded funds have not yet been returned to XXXX XXXXXXXX. 

I initially contacted Cash App support via email and was informed that I needed to provide proof of the reversed disputes from my bank. I immediately responded to the email with the requested confirmations but haven't received any updates since. 

This situation is causing significant financial hardship for XXXX  XXXX and myself. 

Since originally contacting them, I have been pushed around and actually have had them hang up the phone on me multiple times. 

My Cashapp information : Username XXXX XXXX XXXX  Email : XXXX Attached I have emails from my bank noting that they have closed the disputes, and no funds were recovered. Also, a chat thread where a support agent states that I attached proof they will reverse. 

Ticket number that I am aware : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items listed on there to be inaccurate. I have filed a report with the FTC and I have sent XXXX certified letters demanding these inaccuracies be deleted from my credit report and they still have not been verified or removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccuate or unverifiable information ( A ) : If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have attached the FTC report and document highlighting the inaccuracies. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility and I trust your agency will handle this with the necessary diligence. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 XXXX
Product: Mortgage

I took out a loan from direct loans. It has been almost a year and I still have not received all of the funds from the loan. I keep getting the runaround Everytime I call. They are unwilling to help entirely or they say they can't find any information on my loan. Every employee I talk to is either intentionally unhelpful or completely has no idea what they are doing. I
Product: Money transfer, virtual currency, or money service

Unauthorized Quickpay transaction of XXXX on Chase account made Wednesday XX/XX/XXXX through cosigner 's account. I filed a fraud report on XX/XX/XXXX. 

Unauthorized transaction happened on cosigner 's side, Chase closed case and mailed a notification on update. Called to open the case again on XXXX XXXX. Was told by Chase that they have a policy that anyone under cosigner can file a report on behalf of that account. Was told case is opened again. 

XXXX XXXX. No updates on report. Called Chase and was told that the case was closed yet again because cosigner needs to be the one to report it. However, no information was received this time around in regards as to what happened with the report. 

Terrible communication with Chase and been told different answers. Not helpful at all in regards to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report I have two creditors reporting the same account. The original creditor is XXXX XXXX XXXX  who sold the account to XXXX XXXX XXXX. Now I have this same account reporting negatively on my credit report twice.I disputed this earlier in XX/XX/2020. I called them today XX/XX/2020 and they resolved the dispute as correct as if the creditor who no longer owns this account can report this account as collections. Now I have the same account in collections twice, I resubmitted the dispute questioning the authority of XXXX XXXX XXXX  to collect this account, since they dont own this account they should be removed from my credit report. I called XXXX  XXXX XXXX  and they said that they are not reporting this account because they no longer own the account. I am at the middle of the two companies and my credit is hurt from this. I will pay the current creditor but the old creditor needs to be removed from my credit report. TransUnion is overlooking the dispute and is just calling XXXX  XXXX to verify the account as accurate, not verifiable as this account is no longer owned by them but by XXXX XXXX XXXX.
Product: Debt collection

Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections to the inaccurate information present on my credit report maintained by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding the discrepancies outlined below. Despite my initial communication, I have not received a response from Experian as of the date of this letter. 
Details of the inaccuracies and required corrections : XXXX XXXX Account Number : [ Your Account Number ] Date Opened : XX/XX/XXXX Balance : {$520.00} Experian is reporting the XXXX XXXX  account with an incorrect balance of {$520.00}. I dispute this amount, as I distinctly recall the balance being lower. Furthermore, I request the deletion of information related to the Past Due amount, as the account is closed and charged-off. To prevent any adverse impact on my credit score, I request marking this account as disputed. 


XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} This account is not mine. I request the immediate removal of this entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXXt account number has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting or other personal consumer reports

Ive been trying for years to correct my credit I was victim of identity theft by the people I used to lived in the past I still have all those accounts the are not mine I try before many time disputing these with experian but no resolution 15 USC 1681 ( XXXX ) civil liability for negligent noncompliance I want all the negative to erase and delete or remove for my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.
Product: Credit reporting or other personal consumer reports

Subject : Report of Collection Activity in Violation of Antitrust Laws 15 U.S.C. 16 Dear Sir/Madam, I am writing to formally report a collection activity that I believe violates 15 U.S.C. 16, which addresses anticompetitive practices under the XXXX XXXX XXXX. 

I have encountered a situation where [ briefly describe the situation or the collection agency involved ] has engaged in describe the specific actions that I believe are detrimental to my rights, violate fair collection practices, and may have broader anticompetitive implications. Specifically, the actions appear to fall within the scope of prohibited conduct under the antitrust laws, which can cause harm to both individuals and the broader market. 

Under 15 U.S.C. 16, individuals are granted the right to seek injunctive relief against practices that damage business or property interests. In this case, I request that the CFPB take appropriate action based on the following : Describe the nature of the collection activity Explain why you believe it is anticompetitive or harmful to your business/property Provide any supporting documentation, such as letters or communication with the collection agency I kindly request that the CFPB review this matter to determine if any further steps, including pursuing injunctive relief or other legal action, are warranted under the provisions of 15 U.S.C. 16. 

Thank you for your attention to this matter. Please do not hesitate to contact me should you need any additional information or documentation related to this report. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Checking or savings account

On XX/XX/XXXX, I received a letter in the mail stating that I had a bounced checked that came back. I called the bank and they stated they would investigate it. The check was written out XX/XX/XXXX. 

I have been receiving letters of credit denial, someone also has been trying to run my credit to open new accounts. 

XXXX XXXX XXXX XXXX XXXX Best Buy XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying for 2 years to fix the information on my credit report, wrong address, wrong telephone number, wrong spelling of my name, also removing the creditors from my report that have no information of mine. 

I have submitted my information to Experian, XXXX, And XXXX, and the only company that still hasn't done there job is Experian. Constantly giving me the round around. Having me disclose my information to them but nothing has been fixed. Now that I am in the point of buying a home my lender is saying that Experian is reporting no credit history when I have history. 

I have for there membership to be able to fix this issue and nothing money thrown away at there service and the agents aren't able to help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XX/XX/XXXXhas reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
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. 
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 violated my rights. 

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

I have two medical debts from the XXXX XXXX marked as in collections. However these debts were removed in early XXXX due to a change in credit reporting rules. However they've now reappeared on both TransUnion and EquiFax credit reports.
Product: Student loan

I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).
Product: Mortgage

Please see the attached. 

The issue is the Mortgage company, PennyMac , LLC, falsely reported my home vacant and was directly responsible for my Home Owners ' insurance being cancelled, etc.
Product: Mortgage

1. PHH Mortgage ( XXXX, NJ, XXXX ) recently took over my Mortgage / Servicing. 
2. PHH has taken a flurry of actions ignoring the documents I have submitted so far. Specifically : a. Increased my need for Flood insurance unilaterallyb. Purchased additional insurance on my behalfc. Initiated an ESCROW account3. All the above without giving me due notice. All the while ignoring all my communications with them ( email, mail, customer service phone calls ).