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

Dear Sir/Madam, I am writing to express my disappointment regarding the handling of my recent complaint to PayPal , Inc . I trust this message finds you well, and I hope you can assist me in resolving the matter as soon as possible. 

On XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under the " Unauthorised Account Creation '' category. I explained thoroughly that my identity had been stolen, and it was being used to circumvent PayPal. On XX/XX/2023, Executive Escalations informed me that PayPal had launched an investigation into the matter and promised that if it were proven in my favor, PayPal would help me restore my balance of {$560.00}, which was done as a XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, I received an email from PayPal stating that they had completed their review and decided the case in my favor. However, despite the decision being made in my favor, I have not received any restoration of my {$560.00} balance, and my complaints have been closed without any prior response. 

I understand that PayPal has thousands of customers to cater to, but I expect my issue to be treated with the utmost priority and urgency, considering the impact it has had on me. I implore you to provide me with a detailed response to my request, as I am currently going through a difficult time due to the financial loss. 

I would appreciate it if you could help me out from this situation as soon as possible. I am counting on your assistance and expect a resolution soon. 

Thank you for your attention to this matter. I look forward to your response. 

Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my Dispute results Transunion states they Verified the items I was Disputing. How? Its in Black and White that it is inaccurate information. XXXX XXXX. XXXX  XXXX. XXXX is the Same Debt its Charged off and Closed. XXXX XXXX is Reporting the Same Debt in Collection XXXX. Transunion states its accurate. This is false information and a Violation against the FCRA
Product: Checking or savings account

I noticed that I was being charged a monthly service fee. Therefore, I reached out to XXXX in the Escalations department and he told me that he would reimburse the two monthly fees in the amount of {$24.00}. However, I followed up later regarding why the fees has not been reimbursed as promised. Unfortunately, the process was not completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute 9 late payments and a collection/charge off status on my Chase credit card ( # XXXX XXXX XXXX XXXX ) My late payments started during hardship. Due to the pandemic I lost my job in XXXX XXXX XXXX. My late payments started on XX/XX/XXXX and went all the way until XX/XX/XXXX when I was able to accept a settlement of from Chase because I had just received employment that would begin in XXXX of XXXX. I would like for Chase to consider that I was an excellent customer before the pandemic. I never had a late payment. 

The senate has, unfortunately, left it up to lenders to decide if they will do the right thing and delete late payments and collections due to the pandemic. I ask that you do the right thing nd delete this account entirely, or remove the late payments and collection/charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX and Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation and the method of how they validated multiple inaccurate items on my credit report.The credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  ( 2 ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

Midland Credit Management over the course of the past few years has continually violated my Consumer Rights by illegally reporting incorrect balance information to the credit bureau. They claim I owe them a balance of {$530.00} from an original creditor XXXX XXXX XXXX I have requested validation of the debt on several occasions and have not recieved validation. I have also requested an investigation by the 3 credit bureaus into this debt and they have claimed to have validated the debt. Midland has been illegally raising and lowering the balance by {$1.00} without any payment or interest charges being made to intentionally harm my credit and force a payment from me. I contacted Midland credit management back in XXXX  over the phone and spoke with a supervisor which claimed the credit bureaus were the ones raising and lowering the balance. I also was in touch with the Credit bureaus which also denied any responsibility in the raising and lower of this collection account. This is a violation according to my FCRA rights and I would like this to be deleted from my credit report or else I will be looking to sue Midland and the 3 credit bureaus.
Product: Mortgage

I was approved for a trial six month modification for XXXX. My husband and I never missed a payment. After the six month approval payment of {$780.00} a month. BSI wrote the modification contract for XXXX XXXX a month. When they had already approved the modification for XXXX, which we agreed to and never missed a payment. At the end of the trial BSI said we had to pay {$990.00} a month instead of the {$780.00} modification approval.
Product: Bank account or service

My name is XXXX XXXX XXXX i would like to report that a company by the Name of XXXX has been over drafting my checking at my bank Wellsfargo. I do n't understand how they attain my information but it 's affecting my bank account with many over draft.I'ts no way to get it touch with their company and my ssi and social secruity at risk.That all the income i have and they ripping me off.And thank in advance for your support and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I were divorced in XX/XX/XXXX. In XX/XX/XXXX she filed for bankruptcy and subsequently turned over the vehicle included in that bankruptcy to XXXX XXXX. After running my credit report in XX/XX/XXXXthe remaining amount of the vehicle loan, {$5200.00} was applied to me. The loan in its entirety was covered under her bankruptcy which XXXX XXXX confirmed with me. Since I was a co-signer, ex-wife being the primary they told me they could still collect from me. When I asked about paying it they informed me it was not payable and a closed account. They also informed me they could not remove it from my credit report. This is stopping from gaining employment in my field and purchasing a home. The {$5200.00} they are showing is the only debt showing in my report. Can you please get this removed. In addition on three separate phone calls the representatives have informed me they would provide me documentation stating the debt is no longer payable. That documentation has never arrived.
Product: Checking or savings account

XX/XX/XXXX did a mobile. They texted the maker of the check. Inquired if he wrote the check at XXXX XXXX XXXX The maker of the check was at work saw the text at XXXX XXXX and replied XXXX. XX/XX/XXXX they returned the check off my account. Maker of the check called WF I called WF, we are both WF customers. They told us both since it was a mobile deposit, if I have the check go to the branch to deposit. We had 2 separate different calls with different reps and was told the same thing. XX/XX/XXXX they returned the check again after the teller verified the funds were available in the issuers account. I called and the rep said oh maybe its because its the same check number, get another check. I told them I cant keep having returned checks on my account, Im trying to get a mortgage. She said a different check itll be fine. XX/XX/XXXX we both issuer and myself went to the branch with another check. Spoke with lead he checked my account, then verified him and checked his account. He said it should be fine there is no issues with the account and deposited the check. I could not cash the check as I would have to explain the transaction. On XX/XX/XXXX at XXXX XXXX  I got an email, they returned the check. This is the 3rd check return and we both was in the branch. Each time we are told something else but they are messing up my account and not explaining why this keeps happening.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I called to inform SeedFi that I couldn't make the XX/XX/XXXX payment. The agent said they'd schedule it for XX/XX/XXXX and asked for my consent to put it on XXXX for XXXX. I consented, thinking that the payment would be set for XX/XX/XXXX... but the agent put the XXXX for XX/XX/XXXX, lying to me and ruining my time & budget. 
SeedFi has acknowledged this illegal " misunderstasnding '' in their notes but won't say it.
Product: Checking or savings account

BMO bought out Bank of the West. I was told my same login information for Bank of the West would work for BMO. That has not been the case. I have not had access to my accounts since the beginning of XXXX. I can not contact anyone at BMO because I can not give the machine a valid account number because they haven't given me one. I have been to the branch 4 times to no avail. I have no spent enough of MY time fixing THEIR ISSUE. I want access to my account. If any fees have been assessed because I want them returned.
Product: Debt collection

When living in XXXX XXXX XXXX  XXXX  XXXX at XXXX XXXX back in XXXX I had a balance owed of {$270.00}. This amount was paid in full as of XX/XX/XXXX, I was provided a proof of payment letter and submitted to all three credit bureaus. Unfortunately the only credit bureau that removed it was XXXX XXXX. Can you PLEASE assist me with helping dispute this item on my credit with XXXX and Experian. They should have deleted this item Just like XXXX but they are giving me an extremely hard time- My credit along with finding a place to stay is suffering from this.. That you so much.. Info you may need pertaining to bill ; XXXX XXXX a XXXX XXXX XXXX Agency name paid in full to : XXXX XXXX Sub # XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Once again this company fails to answer questions directly ... The previous response listed the vehicle as a XXXX when in fact it was a XXXX. Furthermore they state the credit report they pulled showed the previous vehicle but no status ( since when does a credit report only show an account with out payment history, past due, etc ). So with those two obvious errors how can we conclude their staff acted appropiately? Chances are the staff that was involved in my loan doesn't even work there any longer. How can they prove what i am saying is inaccurate? Once again they fail at doing a thorough investigation. They need to provide responses from the employees I worked with and if they are no longer employed they need to buy back this loan. If they are not able to provide those response then this proves they are not thoroughly investigating this issue.They are not investigating this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Follow up to my previous Consumer finance XX/XX/XXXX complaint Proof of Deed of Reconveyance, per Real Time Resolution creditor response This notice is a CEASE AND DESIST Real Time Resolution a debt collector for XXXX XXXX XXXX ( company no longer in business ) recorded a Second Trust Deed Default XX/XX/XXXX in the amount of {XXXX} on behalf of XXXX XXXX XXXX. 

I have told this company many times I DO NOT OWE DEBT to XXXX XXXX XXXX and that I received a Deed of Reconveyance in XXXX, and I have not obtained any loans after XXXX. 

On XX/XX/XXXX, the first available appointment at XXXX XXXX XXXX XXXX Registrar-Recorder/County Clerk office at XXXX XXXX XXXX, XXXX CA XXXX, records show for XXXX XXXX XXXX, XXXX XXXX CA XXXX " No!!!! Deed of Trust owning any debt WAS NEVER FILED from XXXX XXXX XXXX after XXXX '' However, I did obtain from XXXX XXXXXXXX XXXX  XXXX XXXX Registar Recorder/County Clerk office, that On XX/XX/XXXX, XXXX XXXX XXXX filed a " Deed of Reconveyance ''. See attachments I'm asking Cease and desist all liens and/or Defaults affiliated with XXXX XXXX XXXX be removed from property located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus ( XXXX, Experian, and XXXX ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report I found a collection account for an alleged debt I do not owe. This account was created in my name and attempted to be collected on which is identity theft. Outside of that there would have been no written consent for this to be furnished on my credit report under 15 U.S.C 1681b ( 2 ). I am deeply distressed by the defamation of character this has caused.
Product: Credit card

I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX
Product: Vehicle loan or lease

several times I have reached out to this company to give me information regarding resale to determine the appropriate amount owed and have not received any such documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I saw a charge of {$29.00} on my checking account from Experian Credit Check Total. Experian offered to allow me to view my credit score for XXXX Dollar. I used my bank debit card for a one time only view of my credit score. It did not state, where it could be clearly seen that my debit card would be charged {$29.00} nor did they give a good phone number where the Credit Check Total could be cancelled. Instead I was charged for {$29.00}. I called Experian talked to a supervisor, XXXX to request a refund I was given an email address, that did not work.
Product: Debt collection

NetCredit is the company. 
XXXX XXXX XXXX NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Engaged in false and dishonest tactics to collect debt. Account was overdue due to financial issues. Net credit called and offered a payment agreement to settle the loan for a monthly payment. I was told on a recorded line that this would update the account as current, and would reflect payments being made to the accounts. The representative LIED, this has reported late on my Credit Report even though a payment was made. Rep now says because account is closed, it will continue to show late payments until the full balance is collected this was not the terms of the agreement offered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX / XXXXXXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company. 

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a 1099-C form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My husband and I both ( XXXX and XXXX XXXX XXXX ) received a letter from Synchrony Bank dated XX/XX/XXXX. It was a credit program with XXXX XXXX XXXX. My husband and I for one do not own a house and do not know what these people were selling, we have not had any contact with anyone, We are trying to improve our credit, not make it worse. I XXXX the company and it is some kind of XXXX outdoor Living. 

Can you please help, this is the information on the upper right hand corner XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit card

I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum.